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$25,642
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,439
−HK$810/mo
Today · 4.125%
HK$27,249
baseline
▲ 0.50% · 4.625%
HK$28,908
+HK$1,659/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,498/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,526
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,291
−HK$776/mo
Today · 4.125%
HK$30,067
baseline
▲ 0.50% · 4.625%
HK$31,652
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,134/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,770
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,727
−HK$972/mo
Today · 4.125%
HK$32,699
baseline
▲ 0.50% · 4.625%
HK$34,689
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,398/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,231
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,149
−HK$932/mo
Today · 4.125%
HK$36,081
baseline
▲ 0.50% · 4.625%
HK$37,982
+HK$1,901/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,162/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,898
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,015
−HK$1,134/mo
Today · 4.125%
HK$38,149
baseline
▲ 0.50% · 4.625%
HK$40,471
+HK$2,322/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,298/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,936
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,007
−HK$1,087/mo
Today · 4.125%
HK$42,094
baseline
▲ 0.50% · 4.625%
HK$44,313
+HK$2,219/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,188/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,155
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,590
−HK$1,459/mo
Today · 4.125%
HK$49,049
baseline
▲ 0.50% · 4.625%
HK$52,034
+HK$2,985/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,098/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,347
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,724
−HK$1,397/mo
Today · 4.125%
HK$54,121
baseline
▲ 0.50% · 4.625%
HK$56,974
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,242/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,689 · Scale 2, in force from 26 Feb 2026)