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$25,509
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,303
−HK$806/mo
Today · 4.125%
HK$27,109
baseline
▲ 0.50% · 4.625%
HK$28,758
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,218/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,379
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,140
−HK$772/mo
Today · 4.125%
HK$29,912
baseline
▲ 0.50% · 4.625%
HK$31,489
+HK$1,577/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,824/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,611
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,563
−HK$968/mo
Today · 4.125%
HK$32,531
baseline
▲ 0.50% · 4.625%
HK$34,510
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,062/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,054
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,968
−HK$926/mo
Today · 4.125%
HK$35,894
baseline
▲ 0.50% · 4.625%
HK$37,786
+HK$1,892/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,788/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,713
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,824
−HK$1,128/mo
Today · 4.125%
HK$37,952
baseline
▲ 0.50% · 4.625%
HK$40,262
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,904/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,730
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,796
−HK$1,081/mo
Today · 4.125%
HK$41,877
baseline
▲ 0.50% · 4.625%
HK$44,084
+HK$2,207/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,754/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,917
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,345
−HK$1,451/mo
Today · 4.125%
HK$48,796
baseline
▲ 0.50% · 4.625%
HK$51,765
+HK$2,969/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,592/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,082
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,452
−HK$1,390/mo
Today · 4.125%
HK$53,842
baseline
▲ 0.50% · 4.625%
HK$56,680
+HK$2,838/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,684/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,513 · Scale 2, in force from 26 Feb 2026)