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$25,673
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,472
−HK$811/mo
Today · 4.125%
HK$27,283
baseline
▲ 0.50% · 4.625%
HK$28,943
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,566/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,561
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,327
−HK$777/mo
Today · 4.125%
HK$30,104
baseline
▲ 0.50% · 4.625%
HK$31,691
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,208/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,808
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,766
−HK$974/mo
Today · 4.125%
HK$32,740
baseline
▲ 0.50% · 4.625%
HK$34,732
+HK$1,992/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$65,480/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,273
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,193
−HK$932/mo
Today · 4.125%
HK$36,125
baseline
▲ 0.50% · 4.625%
HK$38,029
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$72,250/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,942
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,060
−HK$1,136/mo
Today · 4.125%
HK$38,196
baseline
▲ 0.50% · 4.625%
HK$40,521
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,392/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,986
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,058
−HK$1,088/mo
Today · 4.125%
HK$42,146
baseline
▲ 0.50% · 4.625%
HK$44,368
+HK$2,222/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,292/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,212
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,649
−HK$1,461/mo
Today · 4.125%
HK$49,110
baseline
▲ 0.50% · 4.625%
HK$52,098
+HK$2,988/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,220/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,410
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,789
−HK$1,399/mo
Today · 4.125%
HK$54,188
baseline
▲ 0.50% · 4.625%
HK$57,044
+HK$2,856/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,376/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,209 · Scale 2, in force from 26 Feb 2026)