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$25,479
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,271
−HK$806/mo
Today · 4.125%
HK$27,077
baseline
▲ 0.50% · 4.625%
HK$28,724
+HK$1,647/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,154/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,345
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,105
−HK$771/mo
Today · 4.125%
HK$29,876
baseline
▲ 0.50% · 4.625%
HK$31,451
+HK$1,575/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,752/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,575
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,526
−HK$966/mo
Today · 4.125%
HK$32,492
baseline
▲ 0.50% · 4.625%
HK$34,469
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,984/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,014
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,926
−HK$926/mo
Today · 4.125%
HK$35,852
baseline
▲ 0.50% · 4.625%
HK$37,742
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,704/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,671
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,780
−HK$1,127/mo
Today · 4.125%
HK$37,907
baseline
▲ 0.50% · 4.625%
HK$40,214
+HK$2,307/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,814/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,683
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,747
−HK$1,080/mo
Today · 4.125%
HK$41,827
baseline
▲ 0.50% · 4.625%
HK$44,032
+HK$2,205/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,654/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,862
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,289
−HK$1,449/mo
Today · 4.125%
HK$48,738
baseline
▲ 0.50% · 4.625%
HK$51,704
+HK$2,966/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,476/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,021
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,389
−HK$1,389/mo
Today · 4.125%
HK$53,778
baseline
▲ 0.50% · 4.625%
HK$56,612
+HK$2,834/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,556/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,015 · Scale 2, in force from 26 Feb 2026)