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$25,635
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,432
−HK$810/mo
Today · 4.125%
HK$27,242
baseline
▲ 0.50% · 4.625%
HK$28,900
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,484/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,518
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,283
−HK$776/mo
Today · 4.125%
HK$30,059
baseline
▲ 0.50% · 4.625%
HK$31,643
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,118/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,762
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,718
−HK$973/mo
Today · 4.125%
HK$32,691
baseline
▲ 0.50% · 4.625%
HK$34,680
+HK$1,989/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,382/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,222
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,140
−HK$931/mo
Today · 4.125%
HK$36,071
baseline
▲ 0.50% · 4.625%
HK$37,972
+HK$1,901/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,142/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,888
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,005
−HK$1,134/mo
Today · 4.125%
HK$38,139
baseline
▲ 0.50% · 4.625%
HK$40,460
+HK$2,321/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,278/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,926
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,996
−HK$1,087/mo
Today · 4.125%
HK$42,083
baseline
▲ 0.50% · 4.625%
HK$44,301
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,166/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,142
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,578
−HK$1,458/mo
Today · 4.125%
HK$49,036
baseline
▲ 0.50% · 4.625%
HK$52,019
+HK$2,983/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,072/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,333
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,710
−HK$1,396/mo
Today · 4.125%
HK$54,106
baseline
▲ 0.50% · 4.625%
HK$56,958
+HK$2,852/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,212/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,575 · Scale 2, in force from 26 Feb 2026)