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$25,632
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,429
−HK$810/mo
Today · 4.125%
HK$27,239
baseline
▲ 0.50% · 4.625%
HK$28,897
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,478/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,515
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,280
−HK$776/mo
Today · 4.125%
HK$30,056
baseline
▲ 0.50% · 4.625%
HK$31,640
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,112/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,758
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,715
−HK$972/mo
Today · 4.125%
HK$32,687
baseline
▲ 0.50% · 4.625%
HK$34,676
+HK$1,989/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$65,374/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,218
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,136
−HK$931/mo
Today · 4.125%
HK$36,067
baseline
▲ 0.50% · 4.625%
HK$37,968
+HK$1,901/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$72,134/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,885
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,001
−HK$1,134/mo
Today · 4.125%
HK$38,135
baseline
▲ 0.50% · 4.625%
HK$40,455
+HK$2,320/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,270/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,921
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,992
−HK$1,086/mo
Today · 4.125%
HK$42,078
baseline
▲ 0.50% · 4.625%
HK$44,296
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,156/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,138
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,573
−HK$1,458/mo
Today · 4.125%
HK$49,031
baseline
▲ 0.50% · 4.625%
HK$52,014
+HK$2,983/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,062/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,328
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,704
−HK$1,397/mo
Today · 4.125%
HK$54,101
baseline
▲ 0.50% · 4.625%
HK$56,952
+HK$2,851/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,202/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,531 · Scale 2, in force from 26 Feb 2026)