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$25,500
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,294
−HK$805/mo
Today · 4.125%
HK$27,099
baseline
▲ 0.50% · 4.625%
HK$28,748
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,198/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,369
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,130
−HK$772/mo
Today · 4.125%
HK$29,902
baseline
▲ 0.50% · 4.625%
HK$31,478
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,804/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,600
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,552
−HK$967/mo
Today · 4.125%
HK$32,519
baseline
▲ 0.50% · 4.625%
HK$34,498
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,038/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,043
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,956
−HK$926/mo
Today · 4.125%
HK$35,882
baseline
▲ 0.50% · 4.625%
HK$37,773
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,764/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,700
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,811
−HK$1,128/mo
Today · 4.125%
HK$37,939
baseline
▲ 0.50% · 4.625%
HK$40,248
+HK$2,309/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,878/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,716
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,782
−HK$1,080/mo
Today · 4.125%
HK$41,862
baseline
▲ 0.50% · 4.625%
HK$44,069
+HK$2,207/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,724/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,901
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,328
−HK$1,451/mo
Today · 4.125%
HK$48,779
baseline
▲ 0.50% · 4.625%
HK$51,747
+HK$2,968/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,558/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,064
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,434
−HK$1,389/mo
Today · 4.125%
HK$53,823
baseline
▲ 0.50% · 4.625%
HK$56,660
+HK$2,837/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,646/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,367 · Scale 2, in force from 26 Feb 2026)