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$25,630
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,427
−HK$810/mo
Today · 4.125%
HK$27,237
baseline
▲ 0.50% · 4.625%
HK$28,895
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,474/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,513
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,278
−HK$776/mo
Today · 4.125%
HK$30,054
baseline
▲ 0.50% · 4.625%
HK$31,638
+HK$1,584/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,108/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,756
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,713
−HK$972/mo
Today · 4.125%
HK$32,685
baseline
▲ 0.50% · 4.625%
HK$34,674
+HK$1,989/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$65,370/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,216
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,134
−HK$931/mo
Today · 4.125%
HK$36,065
baseline
▲ 0.50% · 4.625%
HK$37,966
+HK$1,901/mo
Deposit HK$4.50M · loan HK$6.74M · min. income ≈ HK$72,130/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,882
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,998
−HK$1,134/mo
Today · 4.125%
HK$38,132
baseline
▲ 0.50% · 4.625%
HK$40,453
+HK$2,321/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,264/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,919
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,989
−HK$1,086/mo
Today · 4.125%
HK$42,075
baseline
▲ 0.50% · 4.625%
HK$44,293
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,150/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,134
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,569
−HK$1,458/mo
Today · 4.125%
HK$49,027
baseline
▲ 0.50% · 4.625%
HK$52,011
+HK$2,984/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,054/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,324
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,700
−HK$1,397/mo
Today · 4.125%
HK$54,097
baseline
▲ 0.50% · 4.625%
HK$56,948
+HK$2,851/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,194/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,502 · Scale 2, in force from 26 Feb 2026)