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$25,631
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,428
−HK$810/mo
Today · 4.125%
HK$27,238
baseline
▲ 0.50% · 4.625%
HK$28,896
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,476/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,514
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,279
−HK$776/mo
Today · 4.125%
HK$30,055
baseline
▲ 0.50% · 4.625%
HK$31,639
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,110/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,757
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,714
−HK$972/mo
Today · 4.125%
HK$32,686
baseline
▲ 0.50% · 4.625%
HK$34,675
+HK$1,989/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$65,372/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,217
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,135
−HK$931/mo
Today · 4.125%
HK$36,066
baseline
▲ 0.50% · 4.625%
HK$37,967
+HK$1,901/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$72,132/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,883
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,000
−HK$1,134/mo
Today · 4.125%
HK$38,134
baseline
▲ 0.50% · 4.625%
HK$40,454
+HK$2,320/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,268/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,920
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,991
−HK$1,086/mo
Today · 4.125%
HK$42,077
baseline
▲ 0.50% · 4.625%
HK$44,295
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,154/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,136
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,571
−HK$1,458/mo
Today · 4.125%
HK$49,029
baseline
▲ 0.50% · 4.625%
HK$52,012
+HK$2,983/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,058/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,326
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,702
−HK$1,397/mo
Today · 4.125%
HK$54,099
baseline
▲ 0.50% · 4.625%
HK$56,950
+HK$2,851/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,198/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,516 · Scale 2, in force from 26 Feb 2026)