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$25,501
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,294
−HK$806/mo
Today · 4.125%
HK$27,100
baseline
▲ 0.50% · 4.625%
HK$28,749
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,200/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,370
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,130
−HK$772/mo
Today · 4.125%
HK$29,902
baseline
▲ 0.50% · 4.625%
HK$31,479
+HK$1,577/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,804/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,601
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,553
−HK$967/mo
Today · 4.125%
HK$32,520
baseline
▲ 0.50% · 4.625%
HK$34,499
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,040/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,044
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,957
−HK$926/mo
Today · 4.125%
HK$35,883
baseline
▲ 0.50% · 4.625%
HK$37,774
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,766/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,701
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,812
−HK$1,128/mo
Today · 4.125%
HK$37,940
baseline
▲ 0.50% · 4.625%
HK$40,249
+HK$2,309/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,880/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,717
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,783
−HK$1,080/mo
Today · 4.125%
HK$41,863
baseline
▲ 0.50% · 4.625%
HK$44,070
+HK$2,207/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,726/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,902
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,330
−HK$1,450/mo
Today · 4.125%
HK$48,780
baseline
▲ 0.50% · 4.625%
HK$51,748
+HK$2,968/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,560/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,065
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,435
−HK$1,389/mo
Today · 4.125%
HK$53,824
baseline
▲ 0.50% · 4.625%
HK$56,661
+HK$2,837/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,648/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,377 · Scale 2, in force from 26 Feb 2026)