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$25,495
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,288
−HK$806/mo
Today · 4.125%
HK$27,094
baseline
▲ 0.50% · 4.625%
HK$28,742
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,188/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,363
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,124
−HK$771/mo
Today · 4.125%
HK$29,895
baseline
▲ 0.50% · 4.625%
HK$31,471
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,790/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,594
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,546
−HK$966/mo
Today · 4.125%
HK$32,512
baseline
▲ 0.50% · 4.625%
HK$34,491
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,024/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,035
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,948
−HK$926/mo
Today · 4.125%
HK$35,874
baseline
▲ 0.50% · 4.625%
HK$37,765
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,748/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,693
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,803
−HK$1,128/mo
Today · 4.125%
HK$37,931
baseline
▲ 0.50% · 4.625%
HK$40,239
+HK$2,308/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,862/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,708
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,773
−HK$1,080/mo
Today · 4.125%
HK$41,853
baseline
▲ 0.50% · 4.625%
HK$44,060
+HK$2,207/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,706/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,891
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,318
−HK$1,451/mo
Today · 4.125%
HK$48,769
baseline
▲ 0.50% · 4.625%
HK$51,736
+HK$2,967/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,538/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,053
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,422
−HK$1,389/mo
Today · 4.125%
HK$53,811
baseline
▲ 0.50% · 4.625%
HK$56,648
+HK$2,837/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,622/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,279 · Scale 2, in force from 26 Feb 2026)