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$25,668
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,467
−HK$811/mo
Today · 4.125%
HK$27,278
baseline
▲ 0.50% · 4.625%
HK$28,938
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,556/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,556
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,322
−HK$777/mo
Today · 4.125%
HK$30,099
baseline
▲ 0.50% · 4.625%
HK$31,685
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,198/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,802
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,760
−HK$974/mo
Today · 4.125%
HK$32,734
baseline
▲ 0.50% · 4.625%
HK$34,725
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,468/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,267
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,186
−HK$932/mo
Today · 4.125%
HK$36,118
baseline
▲ 0.50% · 4.625%
HK$38,022
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,236/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,936
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,054
−HK$1,135/mo
Today · 4.125%
HK$38,189
baseline
▲ 0.50% · 4.625%
HK$40,513
+HK$2,324/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,378/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,978
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,050
−HK$1,088/mo
Today · 4.125%
HK$42,138
baseline
▲ 0.50% · 4.625%
HK$44,359
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,276/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,203
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,640
−HK$1,460/mo
Today · 4.125%
HK$49,100
baseline
▲ 0.50% · 4.625%
HK$52,088
+HK$2,988/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,200/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,401
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,779
−HK$1,399/mo
Today · 4.125%
HK$54,178
baseline
▲ 0.50% · 4.625%
HK$57,033
+HK$2,855/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,356/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,131 · Scale 2, in force from 26 Feb 2026)