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$25,503
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,296
−HK$806/mo
Today · 4.125%
HK$27,102
baseline
▲ 0.50% · 4.625%
HK$28,752
+HK$1,650/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,204/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,372
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,133
−HK$772/mo
Today · 4.125%
HK$29,905
baseline
▲ 0.50% · 4.625%
HK$31,481
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,810/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,604
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,556
−HK$967/mo
Today · 4.125%
HK$32,523
baseline
▲ 0.50% · 4.625%
HK$34,502
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,046/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,046
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,960
−HK$926/mo
Today · 4.125%
HK$35,886
baseline
▲ 0.50% · 4.625%
HK$37,777
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,772/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,704
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,815
−HK$1,128/mo
Today · 4.125%
HK$37,943
baseline
▲ 0.50% · 4.625%
HK$40,252
+HK$2,309/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,886/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,721
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,786
−HK$1,081/mo
Today · 4.125%
HK$41,867
baseline
▲ 0.50% · 4.625%
HK$44,074
+HK$2,207/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,734/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,906
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,334
−HK$1,450/mo
Today · 4.125%
HK$48,784
baseline
▲ 0.50% · 4.625%
HK$51,753
+HK$2,969/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,568/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,070
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,439
−HK$1,390/mo
Today · 4.125%
HK$53,829
baseline
▲ 0.50% · 4.625%
HK$56,666
+HK$2,837/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,658/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,413 · Scale 2, in force from 26 Feb 2026)