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$25,493
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,286
−HK$806/mo
Today · 4.125%
HK$27,092
baseline
▲ 0.50% · 4.625%
HK$28,741
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,184/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,361
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,122
−HK$771/mo
Today · 4.125%
HK$29,893
baseline
▲ 0.50% · 4.625%
HK$31,469
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,786/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,592
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,544
−HK$967/mo
Today · 4.125%
HK$32,511
baseline
▲ 0.50% · 4.625%
HK$34,489
+HK$1,978/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,022/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,033
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,946
−HK$926/mo
Today · 4.125%
HK$35,872
baseline
▲ 0.50% · 4.625%
HK$37,763
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,744/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,691
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,801
−HK$1,128/mo
Today · 4.125%
HK$37,929
baseline
▲ 0.50% · 4.625%
HK$40,237
+HK$2,308/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,858/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,706
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,771
−HK$1,080/mo
Today · 4.125%
HK$41,851
baseline
▲ 0.50% · 4.625%
HK$44,057
+HK$2,206/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,702/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,888
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,316
−HK$1,450/mo
Today · 4.125%
HK$48,766
baseline
▲ 0.50% · 4.625%
HK$51,733
+HK$2,967/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,532/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,050
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,419
−HK$1,389/mo
Today · 4.125%
HK$53,808
baseline
▲ 0.50% · 4.625%
HK$56,645
+HK$2,837/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,616/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,253 · Scale 2, in force from 26 Feb 2026)