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$25,516
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,310
−HK$806/mo
Today · 4.125%
HK$27,116
baseline
▲ 0.50% · 4.625%
HK$28,766
+HK$1,650/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,232/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,386
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,148
−HK$772/mo
Today · 4.125%
HK$29,920
baseline
▲ 0.50% · 4.625%
HK$31,497
+HK$1,577/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,840/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,619
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,572
−HK$967/mo
Today · 4.125%
HK$32,539
baseline
▲ 0.50% · 4.625%
HK$34,519
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$65,078/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,064
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,977
−HK$927/mo
Today · 4.125%
HK$35,904
baseline
▲ 0.50% · 4.625%
HK$37,796
+HK$1,892/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$71,808/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,722
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,834
−HK$1,129/mo
Today · 4.125%
HK$37,963
baseline
▲ 0.50% · 4.625%
HK$40,272
+HK$2,309/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,926/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,741
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,807
−HK$1,081/mo
Today · 4.125%
HK$41,888
baseline
▲ 0.50% · 4.625%
HK$44,096
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,776/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,929
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,357
−HK$1,452/mo
Today · 4.125%
HK$48,809
baseline
▲ 0.50% · 4.625%
HK$51,779
+HK$2,970/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,618/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,095
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,466
−HK$1,390/mo
Today · 4.125%
HK$53,856
baseline
▲ 0.50% · 4.625%
HK$56,695
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,712/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,625 · Scale 2, in force from 26 Feb 2026)