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$25,666
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,464
−HK$812/mo
Today · 4.125%
HK$27,276
baseline
▲ 0.50% · 4.625%
HK$28,935
+HK$1,659/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,552/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,553
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,319
−HK$777/mo
Today · 4.125%
HK$30,096
baseline
▲ 0.50% · 4.625%
HK$31,682
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,192/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,799
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,757
−HK$974/mo
Today · 4.125%
HK$32,731
baseline
▲ 0.50% · 4.625%
HK$34,722
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,462/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,264
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,183
−HK$932/mo
Today · 4.125%
HK$36,115
baseline
▲ 0.50% · 4.625%
HK$38,019
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,230/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,933
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,050
−HK$1,136/mo
Today · 4.125%
HK$38,186
baseline
▲ 0.50% · 4.625%
HK$40,509
+HK$2,323/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,372/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,975
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,047
−HK$1,087/mo
Today · 4.125%
HK$42,134
baseline
▲ 0.50% · 4.625%
HK$44,355
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,268/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,199
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,636
−HK$1,460/mo
Today · 4.125%
HK$49,096
baseline
▲ 0.50% · 4.625%
HK$52,083
+HK$2,987/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,192/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,396
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,774
−HK$1,399/mo
Today · 4.125%
HK$54,173
baseline
▲ 0.50% · 4.625%
HK$57,028
+HK$2,855/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,346/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,093 · Scale 2, in force from 26 Feb 2026)