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$25,491
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,284
−HK$805/mo
Today · 4.125%
HK$27,089
baseline
▲ 0.50% · 4.625%
HK$28,737
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,178/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,358
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,119
−HK$771/mo
Today · 4.125%
HK$29,890
baseline
▲ 0.50% · 4.625%
HK$31,466
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,780/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,589
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,540
−HK$967/mo
Today · 4.125%
HK$32,507
baseline
▲ 0.50% · 4.625%
HK$34,485
+HK$1,978/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,014/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,030
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,942
−HK$926/mo
Today · 4.125%
HK$35,868
baseline
▲ 0.50% · 4.625%
HK$37,759
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,736/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,687
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,797
−HK$1,128/mo
Today · 4.125%
HK$37,925
baseline
▲ 0.50% · 4.625%
HK$40,232
+HK$2,307/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,850/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,701
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,766
−HK$1,080/mo
Today · 4.125%
HK$41,846
baseline
▲ 0.50% · 4.625%
HK$44,052
+HK$2,206/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,692/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,883
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,310
−HK$1,450/mo
Today · 4.125%
HK$48,760
baseline
▲ 0.50% · 4.625%
HK$51,727
+HK$2,967/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,520/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,045
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,413
−HK$1,389/mo
Today · 4.125%
HK$53,802
baseline
▲ 0.50% · 4.625%
HK$56,638
+HK$2,836/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,604/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,207 · Scale 2, in force from 26 Feb 2026)