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$25,659
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,457
−HK$811/mo
Today · 4.125%
HK$27,268
baseline
▲ 0.50% · 4.625%
HK$28,927
+HK$1,659/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,536/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,545
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,311
−HK$777/mo
Today · 4.125%
HK$30,088
baseline
▲ 0.50% · 4.625%
HK$31,673
+HK$1,585/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,176/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,791
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,748
−HK$974/mo
Today · 4.125%
HK$32,722
baseline
▲ 0.50% · 4.625%
HK$34,713
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,444/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,254
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,173
−HK$932/mo
Today · 4.125%
HK$36,105
baseline
▲ 0.50% · 4.625%
HK$38,008
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,210/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,922
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,040
−HK$1,135/mo
Today · 4.125%
HK$38,175
baseline
▲ 0.50% · 4.625%
HK$40,498
+HK$2,323/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,350/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,963
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,035
−HK$1,088/mo
Today · 4.125%
HK$42,123
baseline
▲ 0.50% · 4.625%
HK$44,343
+HK$2,220/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,246/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,186
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,623
−HK$1,459/mo
Today · 4.125%
HK$49,082
baseline
▲ 0.50% · 4.625%
HK$52,069
+HK$2,987/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,164/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,382
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,760
−HK$1,398/mo
Today · 4.125%
HK$54,158
baseline
▲ 0.50% · 4.625%
HK$57,012
+HK$2,854/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,316/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,975 · Scale 2, in force from 26 Feb 2026)