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$25,649
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,446
−HK$811/mo
Today · 4.125%
HK$27,257
baseline
▲ 0.50% · 4.625%
HK$28,916
+HK$1,659/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,514/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,534
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,299
−HK$776/mo
Today · 4.125%
HK$30,075
baseline
▲ 0.50% · 4.625%
HK$31,661
+HK$1,586/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,150/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,778
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,736
−HK$972/mo
Today · 4.125%
HK$32,708
baseline
▲ 0.50% · 4.625%
HK$34,699
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,416/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,241
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,159
−HK$931/mo
Today · 4.125%
HK$36,090
baseline
▲ 0.50% · 4.625%
HK$37,993
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,180/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,908
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,025
−HK$1,135/mo
Today · 4.125%
HK$38,160
baseline
▲ 0.50% · 4.625%
HK$40,482
+HK$2,322/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,320/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,947
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,019
−HK$1,087/mo
Today · 4.125%
HK$42,106
baseline
▲ 0.50% · 4.625%
HK$44,325
+HK$2,219/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,212/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,167
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,604
−HK$1,459/mo
Today · 4.125%
HK$49,063
baseline
▲ 0.50% · 4.625%
HK$52,048
+HK$2,985/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,126/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,361
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,738
−HK$1,398/mo
Today · 4.125%
HK$54,136
baseline
▲ 0.50% · 4.625%
HK$56,989
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,272/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,805 · Scale 2, in force from 26 Feb 2026)