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$25,504
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,298
−HK$806/mo
Today · 4.125%
HK$27,104
baseline
▲ 0.50% · 4.625%
HK$28,753
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,208/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,373
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,134
−HK$772/mo
Today · 4.125%
HK$29,906
baseline
▲ 0.50% · 4.625%
HK$31,483
+HK$1,577/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,812/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,605
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,557
−HK$967/mo
Today · 4.125%
HK$32,524
baseline
▲ 0.50% · 4.625%
HK$34,503
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,048/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,048
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,961
−HK$926/mo
Today · 4.125%
HK$35,887
baseline
▲ 0.50% · 4.625%
HK$37,779
+HK$1,892/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,774/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,706
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,817
−HK$1,128/mo
Today · 4.125%
HK$37,945
baseline
▲ 0.50% · 4.625%
HK$40,254
+HK$2,309/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,890/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,723
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,788
−HK$1,081/mo
Today · 4.125%
HK$41,869
baseline
▲ 0.50% · 4.625%
HK$44,076
+HK$2,207/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,738/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,908
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,336
−HK$1,451/mo
Today · 4.125%
HK$48,787
baseline
▲ 0.50% · 4.625%
HK$51,755
+HK$2,968/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,574/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,072
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,442
−HK$1,389/mo
Today · 4.125%
HK$53,831
baseline
▲ 0.50% · 4.625%
HK$56,669
+HK$2,838/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,662/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,431 · Scale 2, in force from 26 Feb 2026)