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$25,654
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,452
−HK$810/mo
Today · 4.125%
HK$27,262
baseline
▲ 0.50% · 4.625%
HK$28,921
+HK$1,659/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,524/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,540
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,305
−HK$776/mo
Today · 4.125%
HK$30,081
baseline
▲ 0.50% · 4.625%
HK$31,667
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,162/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,784
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,742
−HK$973/mo
Today · 4.125%
HK$32,715
baseline
▲ 0.50% · 4.625%
HK$34,706
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,430/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,247
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,166
−HK$932/mo
Today · 4.125%
HK$36,098
baseline
▲ 0.50% · 4.625%
HK$38,000
+HK$1,902/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,196/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,915
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,032
−HK$1,135/mo
Today · 4.125%
HK$38,167
baseline
▲ 0.50% · 4.625%
HK$40,490
+HK$2,323/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,334/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,955
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,027
−HK$1,087/mo
Today · 4.125%
HK$42,114
baseline
▲ 0.50% · 4.625%
HK$44,334
+HK$2,220/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,228/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,177
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,613
−HK$1,459/mo
Today · 4.125%
HK$49,072
baseline
▲ 0.50% · 4.625%
HK$52,058
+HK$2,986/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,144/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,371
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,749
−HK$1,398/mo
Today · 4.125%
HK$54,147
baseline
▲ 0.50% · 4.625%
HK$57,001
+HK$2,854/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,294/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,890 · Scale 2, in force from 26 Feb 2026)