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$25,472
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,264
−HK$805/mo
Today · 4.125%
HK$27,069
baseline
▲ 0.50% · 4.625%
HK$28,716
+HK$1,647/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,138/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,337
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,097
−HK$771/mo
Today · 4.125%
HK$29,868
baseline
▲ 0.50% · 4.625%
HK$31,443
+HK$1,575/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,736/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,566
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,517
−HK$966/mo
Today · 4.125%
HK$32,483
baseline
▲ 0.50% · 4.625%
HK$34,460
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,966/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,005
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,917
−HK$925/mo
Today · 4.125%
HK$35,842
baseline
▲ 0.50% · 4.625%
HK$37,731
+HK$1,889/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,684/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,661
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,770
−HK$1,127/mo
Today · 4.125%
HK$37,897
baseline
▲ 0.50% · 4.625%
HK$40,203
+HK$2,306/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,794/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,672
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,736
−HK$1,080/mo
Today · 4.125%
HK$41,816
baseline
▲ 0.50% · 4.625%
HK$44,020
+HK$2,204/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,632/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,850
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,276
−HK$1,449/mo
Today · 4.125%
HK$48,725
baseline
▲ 0.50% · 4.625%
HK$51,690
+HK$2,965/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,450/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,007
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,375
−HK$1,388/mo
Today · 4.125%
HK$53,763
baseline
▲ 0.50% · 4.625%
HK$56,597
+HK$2,834/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,526/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,901 · Scale 2, in force from 26 Feb 2026)