The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,646
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,444
−HK$811/mo
Today · 4.125%
HK$27,255
baseline
▲ 0.50% · 4.625%
HK$28,913
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,510/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,531
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,297
−HK$776/mo
Today · 4.125%
HK$30,073
baseline
▲ 0.50% · 4.625%
HK$31,658
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,146/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,776
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,733
−HK$973/mo
Today · 4.125%
HK$32,706
baseline
▲ 0.50% · 4.625%
HK$34,696
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,412/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,238
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,156
−HK$931/mo
Today · 4.125%
HK$36,087
baseline
▲ 0.50% · 4.625%
HK$37,990
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,174/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,905
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,022
−HK$1,134/mo
Today · 4.125%
HK$38,156
baseline
▲ 0.50% · 4.625%
HK$40,478
+HK$2,322/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,312/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,944
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,015
−HK$1,087/mo
Today · 4.125%
HK$42,102
baseline
▲ 0.50% · 4.625%
HK$44,321
+HK$2,219/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,204/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,163
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,599
−HK$1,459/mo
Today · 4.125%
HK$49,058
baseline
▲ 0.50% · 4.625%
HK$52,043
+HK$2,985/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,116/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,356
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,734
−HK$1,397/mo
Today · 4.125%
HK$54,131
baseline
▲ 0.50% · 4.625%
HK$56,984
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,262/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,769 · Scale 2, in force from 26 Feb 2026)