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$25,678
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,477
−HK$812/mo
Today · 4.125%
HK$27,289
baseline
▲ 0.50% · 4.625%
HK$28,949
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,578/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,567
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,333
−HK$777/mo
Today · 4.125%
HK$30,110
baseline
▲ 0.50% · 4.625%
HK$31,697
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,220/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,814
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,773
−HK$973/mo
Today · 4.125%
HK$32,746
baseline
▲ 0.50% · 4.625%
HK$34,739
+HK$1,993/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$65,492/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,280
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,200
−HK$932/mo
Today · 4.125%
HK$36,132
baseline
▲ 0.50% · 4.625%
HK$38,037
+HK$1,905/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$72,264/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,950
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,068
−HK$1,136/mo
Today · 4.125%
HK$38,204
baseline
▲ 0.50% · 4.625%
HK$40,529
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,408/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,994
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,066
−HK$1,088/mo
Today · 4.125%
HK$42,154
baseline
▲ 0.50% · 4.625%
HK$44,376
+HK$2,222/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,308/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,221
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,659
−HK$1,461/mo
Today · 4.125%
HK$49,120
baseline
▲ 0.50% · 4.625%
HK$52,108
+HK$2,988/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,240/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,421
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,800
−HK$1,399/mo
Today · 4.125%
HK$54,199
baseline
▲ 0.50% · 4.625%
HK$57,055
+HK$2,856/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,398/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,295 · Scale 2, in force from 26 Feb 2026)