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$25,662
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,460
−HK$811/mo
Today · 4.125%
HK$27,271
baseline
▲ 0.50% · 4.625%
HK$28,930
+HK$1,659/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,542/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,548
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,314
−HK$777/mo
Today · 4.125%
HK$30,091
baseline
▲ 0.50% · 4.625%
HK$31,677
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,182/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,794
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,752
−HK$973/mo
Today · 4.125%
HK$32,725
baseline
▲ 0.50% · 4.625%
HK$34,716
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,450/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,258
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,177
−HK$932/mo
Today · 4.125%
HK$36,109
baseline
▲ 0.50% · 4.625%
HK$38,012
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,218/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,926
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,044
−HK$1,135/mo
Today · 4.125%
HK$38,179
baseline
▲ 0.50% · 4.625%
HK$40,502
+HK$2,323/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,358/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,968
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,040
−HK$1,087/mo
Today · 4.125%
HK$42,127
baseline
▲ 0.50% · 4.625%
HK$44,348
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,254/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,191
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,628
−HK$1,460/mo
Today · 4.125%
HK$49,088
baseline
▲ 0.50% · 4.625%
HK$52,075
+HK$2,987/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,176/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,387
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,765
−HK$1,398/mo
Today · 4.125%
HK$54,163
baseline
▲ 0.50% · 4.625%
HK$57,018
+HK$2,855/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,326/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,020 · Scale 2, in force from 26 Feb 2026)