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$25,513
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,307
−HK$806/mo
Today · 4.125%
HK$27,113
baseline
▲ 0.50% · 4.625%
HK$28,763
+HK$1,650/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,226/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,383
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,144
−HK$772/mo
Today · 4.125%
HK$29,916
baseline
▲ 0.50% · 4.625%
HK$31,493
+HK$1,577/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,832/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,616
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,568
−HK$967/mo
Today · 4.125%
HK$32,535
baseline
▲ 0.50% · 4.625%
HK$34,515
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$65,070/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,059
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,973
−HK$927/mo
Today · 4.125%
HK$35,900
baseline
▲ 0.50% · 4.625%
HK$37,792
+HK$1,892/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$71,800/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,718
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,829
−HK$1,129/mo
Today · 4.125%
HK$37,958
baseline
▲ 0.50% · 4.625%
HK$40,268
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,916/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,736
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,802
−HK$1,081/mo
Today · 4.125%
HK$41,883
baseline
▲ 0.50% · 4.625%
HK$44,091
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,766/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,923
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,352
−HK$1,451/mo
Today · 4.125%
HK$48,803
baseline
▲ 0.50% · 4.625%
HK$51,773
+HK$2,970/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,606/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,089
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,459
−HK$1,390/mo
Today · 4.125%
HK$53,849
baseline
▲ 0.50% · 4.625%
HK$56,688
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,698/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,574 · Scale 2, in force from 26 Feb 2026)