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$25,514
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,308
−HK$806/mo
Today · 4.125%
HK$27,114
baseline
▲ 0.50% · 4.625%
HK$28,764
+HK$1,650/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,228/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,384
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,146
−HK$772/mo
Today · 4.125%
HK$29,918
baseline
▲ 0.50% · 4.625%
HK$31,495
+HK$1,577/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,836/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,617
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,569
−HK$968/mo
Today · 4.125%
HK$32,537
baseline
▲ 0.50% · 4.625%
HK$34,517
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$65,074/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,061
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,975
−HK$926/mo
Today · 4.125%
HK$35,901
baseline
▲ 0.50% · 4.625%
HK$37,794
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$71,802/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,720
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,831
−HK$1,129/mo
Today · 4.125%
HK$37,960
baseline
▲ 0.50% · 4.625%
HK$40,270
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,920/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,738
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,804
−HK$1,081/mo
Today · 4.125%
HK$41,885
baseline
▲ 0.50% · 4.625%
HK$44,093
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,770/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,926
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,354
−HK$1,452/mo
Today · 4.125%
HK$48,806
baseline
▲ 0.50% · 4.625%
HK$51,775
+HK$2,969/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,612/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,092
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,462
−HK$1,390/mo
Today · 4.125%
HK$53,852
baseline
▲ 0.50% · 4.625%
HK$56,691
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,704/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,595 · Scale 2, in force from 26 Feb 2026)