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$25,481
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,274
−HK$805/mo
Today · 4.125%
HK$27,079
baseline
▲ 0.50% · 4.625%
HK$28,727
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,158/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,347
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,108
−HK$771/mo
Today · 4.125%
HK$29,879
baseline
▲ 0.50% · 4.625%
HK$31,454
+HK$1,575/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,758/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,577
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,528
−HK$967/mo
Today · 4.125%
HK$32,495
baseline
▲ 0.50% · 4.625%
HK$34,472
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,990/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,017
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,929
−HK$926/mo
Today · 4.125%
HK$35,855
baseline
▲ 0.50% · 4.625%
HK$37,745
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,710/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,673
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,783
−HK$1,127/mo
Today · 4.125%
HK$37,910
baseline
▲ 0.50% · 4.625%
HK$40,217
+HK$2,307/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,820/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,686
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,751
−HK$1,079/mo
Today · 4.125%
HK$41,830
baseline
▲ 0.50% · 4.625%
HK$44,035
+HK$2,205/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,660/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,866
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,292
−HK$1,450/mo
Today · 4.125%
HK$48,742
baseline
▲ 0.50% · 4.625%
HK$51,708
+HK$2,966/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,484/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,025
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,394
−HK$1,388/mo
Today · 4.125%
HK$53,782
baseline
▲ 0.50% · 4.625%
HK$56,617
+HK$2,835/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,564/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,048 · Scale 2, in force from 26 Feb 2026)