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$25,473
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,266
−HK$805/mo
Today · 4.125%
HK$27,071
baseline
▲ 0.50% · 4.625%
HK$28,718
+HK$1,647/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,142/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,339
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,099
−HK$771/mo
Today · 4.125%
HK$29,870
baseline
▲ 0.50% · 4.625%
HK$31,444
+HK$1,574/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,740/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,568
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,519
−HK$966/mo
Today · 4.125%
HK$32,485
baseline
▲ 0.50% · 4.625%
HK$34,461
+HK$1,976/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,970/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,006
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,919
−HK$925/mo
Today · 4.125%
HK$35,844
baseline
▲ 0.50% · 4.625%
HK$37,733
+HK$1,889/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,688/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,663
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,772
−HK$1,127/mo
Today · 4.125%
HK$37,899
baseline
▲ 0.50% · 4.625%
HK$40,205
+HK$2,306/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,798/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,674
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,738
−HK$1,080/mo
Today · 4.125%
HK$41,818
baseline
▲ 0.50% · 4.625%
HK$44,022
+HK$2,204/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,636/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,852
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,278
−HK$1,449/mo
Today · 4.125%
HK$48,727
baseline
▲ 0.50% · 4.625%
HK$51,692
+HK$2,965/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,454/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,010
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,378
−HK$1,388/mo
Today · 4.125%
HK$53,766
baseline
▲ 0.50% · 4.625%
HK$56,600
+HK$2,834/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,532/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,922 · Scale 2, in force from 26 Feb 2026)