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$25,678
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,476
−HK$812/mo
Today · 4.125%
HK$27,288
baseline
▲ 0.50% · 4.625%
HK$28,948
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,576/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,566
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,332
−HK$777/mo
Today · 4.125%
HK$30,109
baseline
▲ 0.50% · 4.625%
HK$31,697
+HK$1,588/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,218/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,813
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,772
−HK$973/mo
Today · 4.125%
HK$32,745
baseline
▲ 0.50% · 4.625%
HK$34,738
+HK$1,993/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$65,490/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,279
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,199
−HK$932/mo
Today · 4.125%
HK$36,131
baseline
▲ 0.50% · 4.625%
HK$38,036
+HK$1,905/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$72,262/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,949
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,067
−HK$1,136/mo
Today · 4.125%
HK$38,203
baseline
▲ 0.50% · 4.625%
HK$40,528
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,406/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,993
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,065
−HK$1,088/mo
Today · 4.125%
HK$42,153
baseline
▲ 0.50% · 4.625%
HK$44,375
+HK$2,222/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,306/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,220
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,657
−HK$1,461/mo
Today · 4.125%
HK$49,118
baseline
▲ 0.50% · 4.625%
HK$52,107
+HK$2,989/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,236/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,419
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,798
−HK$1,399/mo
Today · 4.125%
HK$54,197
baseline
▲ 0.50% · 4.625%
HK$57,054
+HK$2,857/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,394/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,282 · Scale 2, in force from 26 Feb 2026)