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$25,484
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,277
−HK$805/mo
Today · 4.125%
HK$27,082
baseline
▲ 0.50% · 4.625%
HK$28,730
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,164/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,351
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,111
−HK$771/mo
Today · 4.125%
HK$29,882
baseline
▲ 0.50% · 4.625%
HK$31,458
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,764/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,581
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,532
−HK$967/mo
Today · 4.125%
HK$32,499
baseline
▲ 0.50% · 4.625%
HK$34,476
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$64,998/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,021
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,933
−HK$926/mo
Today · 4.125%
HK$35,859
baseline
▲ 0.50% · 4.625%
HK$37,749
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,718/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,678
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,787
−HK$1,128/mo
Today · 4.125%
HK$37,915
baseline
▲ 0.50% · 4.625%
HK$40,222
+HK$2,307/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,830/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,691
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,756
−HK$1,079/mo
Today · 4.125%
HK$41,835
baseline
▲ 0.50% · 4.625%
HK$44,041
+HK$2,206/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,670/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,871
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,298
−HK$1,450/mo
Today · 4.125%
HK$48,748
baseline
▲ 0.50% · 4.625%
HK$51,714
+HK$2,966/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,496/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,031
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,400
−HK$1,388/mo
Today · 4.125%
HK$53,788
baseline
▲ 0.50% · 4.625%
HK$56,624
+HK$2,836/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,576/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,099 · Scale 2, in force from 26 Feb 2026)