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$25,670
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,468
−HK$812/mo
Today · 4.125%
HK$27,280
baseline
▲ 0.50% · 4.625%
HK$28,940
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,560/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,557
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,323
−HK$777/mo
Today · 4.125%
HK$30,100
baseline
▲ 0.50% · 4.625%
HK$31,687
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,200/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,804
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,762
−HK$974/mo
Today · 4.125%
HK$32,736
baseline
▲ 0.50% · 4.625%
HK$34,727
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,472/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,269
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,188
−HK$932/mo
Today · 4.125%
HK$36,120
baseline
▲ 0.50% · 4.625%
HK$38,024
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,240/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,938
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,056
−HK$1,135/mo
Today · 4.125%
HK$38,191
baseline
▲ 0.50% · 4.625%
HK$40,515
+HK$2,324/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,382/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,980
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,053
−HK$1,088/mo
Today · 4.125%
HK$42,141
baseline
▲ 0.50% · 4.625%
HK$44,362
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,282/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,206
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,643
−HK$1,460/mo
Today · 4.125%
HK$49,103
baseline
▲ 0.50% · 4.625%
HK$52,091
+HK$2,988/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,206/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,403
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,782
−HK$1,399/mo
Today · 4.125%
HK$54,181
baseline
▲ 0.50% · 4.625%
HK$57,037
+HK$2,856/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,362/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,155 · Scale 2, in force from 26 Feb 2026)