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$25,665
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,463
−HK$811/mo
Today · 4.125%
HK$27,274
baseline
▲ 0.50% · 4.625%
HK$28,934
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,548/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,552
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,318
−HK$776/mo
Today · 4.125%
HK$30,094
baseline
▲ 0.50% · 4.625%
HK$31,681
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,188/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,798
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,756
−HK$973/mo
Today · 4.125%
HK$32,729
baseline
▲ 0.50% · 4.625%
HK$34,721
+HK$1,992/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,458/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,262
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,181
−HK$932/mo
Today · 4.125%
HK$36,113
baseline
▲ 0.50% · 4.625%
HK$38,017
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,226/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,931
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,048
−HK$1,136/mo
Today · 4.125%
HK$38,184
baseline
▲ 0.50% · 4.625%
HK$40,507
+HK$2,323/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,368/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,973
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,045
−HK$1,087/mo
Today · 4.125%
HK$42,132
baseline
▲ 0.50% · 4.625%
HK$44,353
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,264/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,197
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,634
−HK$1,460/mo
Today · 4.125%
HK$49,094
baseline
▲ 0.50% · 4.625%
HK$52,081
+HK$2,987/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,188/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,393
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,772
−HK$1,398/mo
Today · 4.125%
HK$54,170
baseline
▲ 0.50% · 4.625%
HK$57,025
+HK$2,855/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,340/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,072 · Scale 2, in force from 26 Feb 2026)