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$25,667
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,466
−HK$811/mo
Today · 4.125%
HK$27,277
baseline
▲ 0.50% · 4.625%
HK$28,937
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,554/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,555
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,320
−HK$777/mo
Today · 4.125%
HK$30,097
baseline
▲ 0.50% · 4.625%
HK$31,684
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,194/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,801
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,759
−HK$973/mo
Today · 4.125%
HK$32,732
baseline
▲ 0.50% · 4.625%
HK$34,724
+HK$1,992/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,464/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,265
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,184
−HK$933/mo
Today · 4.125%
HK$36,117
baseline
▲ 0.50% · 4.625%
HK$38,021
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,234/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,934
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,052
−HK$1,136/mo
Today · 4.125%
HK$38,188
baseline
▲ 0.50% · 4.625%
HK$40,511
+HK$2,323/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,376/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,976
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,049
−HK$1,087/mo
Today · 4.125%
HK$42,136
baseline
▲ 0.50% · 4.625%
HK$44,357
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,272/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,201
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,638
−HK$1,460/mo
Today · 4.125%
HK$49,098
baseline
▲ 0.50% · 4.625%
HK$52,086
+HK$2,988/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,196/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,398
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,777
−HK$1,398/mo
Today · 4.125%
HK$54,175
baseline
▲ 0.50% · 4.625%
HK$57,031
+HK$2,856/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,350/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,112 · Scale 2, in force from 26 Feb 2026)