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$25,645
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,443
−HK$810/mo
Today · 4.125%
HK$27,253
baseline
▲ 0.50% · 4.625%
HK$28,911
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,506/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,530
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,295
−HK$776/mo
Today · 4.125%
HK$30,071
baseline
▲ 0.50% · 4.625%
HK$31,656
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,142/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,774
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,731
−HK$973/mo
Today · 4.125%
HK$32,704
baseline
▲ 0.50% · 4.625%
HK$34,694
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,408/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,236
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,154
−HK$931/mo
Today · 4.125%
HK$36,085
baseline
▲ 0.50% · 4.625%
HK$37,987
+HK$1,902/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,170/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,903
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,020
−HK$1,134/mo
Today · 4.125%
HK$38,154
baseline
▲ 0.50% · 4.625%
HK$40,476
+HK$2,322/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,308/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,942
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$41,013
−HK$1,086/mo
Today · 4.125%
HK$42,099
baseline
▲ 0.50% · 4.625%
HK$44,319
+HK$2,220/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,198/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,161
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,597
−HK$1,458/mo
Today · 4.125%
HK$49,055
baseline
▲ 0.50% · 4.625%
HK$52,040
+HK$2,985/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,110/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,353
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,731
−HK$1,397/mo
Today · 4.125%
HK$54,128
baseline
▲ 0.50% · 4.625%
HK$56,981
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,256/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,744 · Scale 2, in force from 26 Feb 2026)