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$25,502
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,296
−HK$806/mo
Today · 4.125%
HK$27,102
baseline
▲ 0.50% · 4.625%
HK$28,751
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,204/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,371
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,132
−HK$772/mo
Today · 4.125%
HK$29,904
baseline
▲ 0.50% · 4.625%
HK$31,480
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,808/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,603
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,555
−HK$967/mo
Today · 4.125%
HK$32,522
baseline
▲ 0.50% · 4.625%
HK$34,501
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,044/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,045
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,958
−HK$927/mo
Today · 4.125%
HK$35,885
baseline
▲ 0.50% · 4.625%
HK$37,776
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,770/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,703
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,814
−HK$1,128/mo
Today · 4.125%
HK$37,942
baseline
▲ 0.50% · 4.625%
HK$40,251
+HK$2,309/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,884/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,719
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,785
−HK$1,080/mo
Today · 4.125%
HK$41,865
baseline
▲ 0.50% · 4.625%
HK$44,072
+HK$2,207/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,730/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,904
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,332
−HK$1,451/mo
Today · 4.125%
HK$48,783
baseline
▲ 0.50% · 4.625%
HK$51,751
+HK$2,968/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,566/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,068
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,437
−HK$1,390/mo
Today · 4.125%
HK$53,827
baseline
▲ 0.50% · 4.625%
HK$56,664
+HK$2,837/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,654/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,399 · Scale 2, in force from 26 Feb 2026)