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$25,672
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,470
−HK$812/mo
Today · 4.125%
HK$27,282
baseline
▲ 0.50% · 4.625%
HK$28,942
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,564/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,560
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,326
−HK$777/mo
Today · 4.125%
HK$30,103
baseline
▲ 0.50% · 4.625%
HK$31,689
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,206/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,806
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,764
−HK$974/mo
Today · 4.125%
HK$32,738
baseline
▲ 0.50% · 4.625%
HK$34,730
+HK$1,992/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,476/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,272
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,191
−HK$932/mo
Today · 4.125%
HK$36,123
baseline
▲ 0.50% · 4.625%
HK$38,027
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,246/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,941
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,058
−HK$1,136/mo
Today · 4.125%
HK$38,194
baseline
▲ 0.50% · 4.625%
HK$40,518
+HK$2,324/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,388/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,983
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,056
−HK$1,088/mo
Today · 4.125%
HK$42,144
baseline
▲ 0.50% · 4.625%
HK$44,365
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,288/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,209
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,647
−HK$1,460/mo
Today · 4.125%
HK$49,107
baseline
▲ 0.50% · 4.625%
HK$52,095
+HK$2,988/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,214/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,407
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,786
−HK$1,399/mo
Today · 4.125%
HK$54,185
baseline
▲ 0.50% · 4.625%
HK$57,041
+HK$2,856/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,370/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,187 · Scale 2, in force from 26 Feb 2026)