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$25,515
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,309
−HK$806/mo
Today · 4.125%
HK$27,115
baseline
▲ 0.50% · 4.625%
HK$28,765
+HK$1,650/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,230/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,385
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,147
−HK$772/mo
Today · 4.125%
HK$29,919
baseline
▲ 0.50% · 4.625%
HK$31,496
+HK$1,577/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,838/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,618
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,571
−HK$967/mo
Today · 4.125%
HK$32,538
baseline
▲ 0.50% · 4.625%
HK$34,518
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$65,076/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,063
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,976
−HK$927/mo
Today · 4.125%
HK$35,903
baseline
▲ 0.50% · 4.625%
HK$37,795
+HK$1,892/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$71,806/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,721
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,833
−HK$1,128/mo
Today · 4.125%
HK$37,961
baseline
▲ 0.50% · 4.625%
HK$40,271
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,922/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,740
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,805
−HK$1,082/mo
Today · 4.125%
HK$41,887
baseline
▲ 0.50% · 4.625%
HK$44,095
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,774/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,927
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,356
−HK$1,452/mo
Today · 4.125%
HK$48,808
baseline
▲ 0.50% · 4.625%
HK$51,777
+HK$2,969/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,616/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,094
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,464
−HK$1,390/mo
Today · 4.125%
HK$53,854
baseline
▲ 0.50% · 4.625%
HK$56,693
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,708/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,612 · Scale 2, in force from 26 Feb 2026)