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$25,496
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,289
−HK$806/mo
Today · 4.125%
HK$27,095
baseline
▲ 0.50% · 4.625%
HK$28,744
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,190/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,364
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,125
−HK$772/mo
Today · 4.125%
HK$29,897
baseline
▲ 0.50% · 4.625%
HK$31,472
+HK$1,575/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,794/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,595
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,547
−HK$967/mo
Today · 4.125%
HK$32,514
baseline
▲ 0.50% · 4.625%
HK$34,492
+HK$1,978/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,028/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,037
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,950
−HK$926/mo
Today · 4.125%
HK$35,876
baseline
▲ 0.50% · 4.625%
HK$37,767
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,752/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,695
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,805
−HK$1,128/mo
Today · 4.125%
HK$37,933
baseline
▲ 0.50% · 4.625%
HK$40,241
+HK$2,308/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,866/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,710
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,775
−HK$1,080/mo
Today · 4.125%
HK$41,855
baseline
▲ 0.50% · 4.625%
HK$44,061
+HK$2,206/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,710/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,893
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,320
−HK$1,451/mo
Today · 4.125%
HK$48,771
baseline
▲ 0.50% · 4.625%
HK$51,738
+HK$2,967/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,542/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,055
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,425
−HK$1,389/mo
Today · 4.125%
HK$53,814
baseline
▲ 0.50% · 4.625%
HK$56,650
+HK$2,836/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,628/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,297 · Scale 2, in force from 26 Feb 2026)