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$25,628
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,425
−HK$810/mo
Today · 4.125%
HK$27,235
baseline
▲ 0.50% · 4.625%
HK$28,892
+HK$1,657/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,470/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,510
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,275
−HK$776/mo
Today · 4.125%
HK$30,051
baseline
▲ 0.50% · 4.625%
HK$31,635
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,102/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,753
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,710
−HK$972/mo
Today · 4.125%
HK$32,682
baseline
▲ 0.50% · 4.625%
HK$34,670
+HK$1,988/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$65,364/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,213
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,130
−HK$931/mo
Today · 4.125%
HK$36,061
baseline
▲ 0.50% · 4.625%
HK$37,962
+HK$1,901/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$72,122/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,879
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,995
−HK$1,134/mo
Today · 4.125%
HK$38,129
baseline
▲ 0.50% · 4.625%
HK$40,449
+HK$2,320/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,258/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,915
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,985
−HK$1,086/mo
Today · 4.125%
HK$42,071
baseline
▲ 0.50% · 4.625%
HK$44,289
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,142/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,130
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,565
−HK$1,457/mo
Today · 4.125%
HK$49,022
baseline
▲ 0.50% · 4.625%
HK$52,005
+HK$2,983/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,044/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,319
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,695
−HK$1,396/mo
Today · 4.125%
HK$54,091
baseline
▲ 0.50% · 4.625%
HK$56,943
+HK$2,852/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,182/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,460 · Scale 2, in force from 26 Feb 2026)