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$25,511
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,305
−HK$806/mo
Today · 4.125%
HK$27,111
baseline
▲ 0.50% · 4.625%
HK$28,761
+HK$1,650/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,222/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,381
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,142
−HK$773/mo
Today · 4.125%
HK$29,915
baseline
▲ 0.50% · 4.625%
HK$31,491
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,830/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,614
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,566
−HK$967/mo
Today · 4.125%
HK$32,533
baseline
▲ 0.50% · 4.625%
HK$34,513
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$65,066/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,057
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,971
−HK$926/mo
Today · 4.125%
HK$35,897
baseline
▲ 0.50% · 4.625%
HK$37,790
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$71,794/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,716
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,827
−HK$1,129/mo
Today · 4.125%
HK$37,956
baseline
▲ 0.50% · 4.625%
HK$40,265
+HK$2,309/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,912/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,734
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,799
−HK$1,081/mo
Today · 4.125%
HK$41,880
baseline
▲ 0.50% · 4.625%
HK$44,088
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,760/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,921
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,349
−HK$1,451/mo
Today · 4.125%
HK$48,800
baseline
▲ 0.50% · 4.625%
HK$51,770
+HK$2,970/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,600/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,086
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,456
−HK$1,390/mo
Today · 4.125%
HK$53,846
baseline
▲ 0.50% · 4.625%
HK$56,684
+HK$2,838/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,692/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,549 · Scale 2, in force from 26 Feb 2026)