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$25,499
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,292
−HK$806/mo
Today · 4.125%
HK$27,098
baseline
▲ 0.50% · 4.625%
HK$28,747
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,196/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,368
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,128
−HK$772/mo
Today · 4.125%
HK$29,900
baseline
▲ 0.50% · 4.625%
HK$31,476
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,800/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,599
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,551
−HK$967/mo
Today · 4.125%
HK$32,518
baseline
▲ 0.50% · 4.625%
HK$34,497
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,036/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,041
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,954
−HK$926/mo
Today · 4.125%
HK$35,880
baseline
▲ 0.50% · 4.625%
HK$37,772
+HK$1,892/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,760/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,699
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,809
−HK$1,129/mo
Today · 4.125%
HK$37,938
baseline
▲ 0.50% · 4.625%
HK$40,246
+HK$2,308/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,876/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,715
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,780
−HK$1,080/mo
Today · 4.125%
HK$41,860
baseline
▲ 0.50% · 4.625%
HK$44,067
+HK$2,207/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,720/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,899
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,326
−HK$1,451/mo
Today · 4.125%
HK$48,777
baseline
▲ 0.50% · 4.625%
HK$51,745
+HK$2,968/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,554/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,062
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,431
−HK$1,390/mo
Today · 4.125%
HK$53,821
baseline
▲ 0.50% · 4.625%
HK$56,657
+HK$2,836/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,642/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,349 · Scale 2, in force from 26 Feb 2026)