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$25,485
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,278
−HK$805/mo
Today · 4.125%
HK$27,083
baseline
▲ 0.50% · 4.625%
HK$28,731
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,166/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,352
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,112
−HK$772/mo
Today · 4.125%
HK$29,884
baseline
▲ 0.50% · 4.625%
HK$31,459
+HK$1,575/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,768/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,582
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,534
−HK$966/mo
Today · 4.125%
HK$32,500
baseline
▲ 0.50% · 4.625%
HK$34,478
+HK$1,978/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,000/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,022
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,935
−HK$926/mo
Today · 4.125%
HK$35,861
baseline
▲ 0.50% · 4.625%
HK$37,751
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,722/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,679
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,789
−HK$1,128/mo
Today · 4.125%
HK$37,917
baseline
▲ 0.50% · 4.625%
HK$40,224
+HK$2,307/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,834/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,693
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,757
−HK$1,080/mo
Today · 4.125%
HK$41,837
baseline
▲ 0.50% · 4.625%
HK$44,043
+HK$2,206/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,674/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,873
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,300
−HK$1,450/mo
Today · 4.125%
HK$48,750
baseline
▲ 0.50% · 4.625%
HK$51,716
+HK$2,966/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,500/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,034
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,402
−HK$1,389/mo
Today · 4.125%
HK$53,791
baseline
▲ 0.50% · 4.625%
HK$56,626
+HK$2,835/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,582/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,118 · Scale 2, in force from 26 Feb 2026)