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$1,599/mo
▼ 0.25% · 3.875%
HK$26,297
−HK$806/mo
Today · 4.125%
HK$27,103
baseline
▲ 0.50% · 4.625%
HK$28,752
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,206/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,424 · 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$31,482
+HK$1,576/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$419,424 · 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$419,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,047
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,960
−HK$927/mo
Today · 4.125%
HK$35,887
baseline
▲ 0.50% · 4.625%
HK$37,778
+HK$1,891/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$419,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,705
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,816
−HK$1,128/mo
Today · 4.125%
HK$37,944
baseline
▲ 0.50% · 4.625%
HK$40,253
+HK$2,309/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,888/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,722
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,787
−HK$1,081/mo
Today · 4.125%
HK$41,868
baseline
▲ 0.50% · 4.625%
HK$44,075
+HK$2,207/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,736/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,907
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,335
−HK$1,451/mo
Today · 4.125%
HK$48,786
baseline
▲ 0.50% · 4.625%
HK$51,754
+HK$2,968/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,572/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,071
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,441
−HK$1,389/mo
Today · 4.125%
HK$53,830
baseline
▲ 0.50% · 4.625%
HK$56,668
+HK$2,838/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,660/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,424 · Scale 2, in force from 26 Feb 2026)