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$25,484
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,277
−HK$805/mo
Today · 4.125%
HK$27,082
baseline
▲ 0.50% · 4.625%
HK$28,730
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,164/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,351
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,111
−HK$772/mo
Today · 4.125%
HK$29,883
baseline
▲ 0.50% · 4.625%
HK$31,458
+HK$1,575/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,766/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,581
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,532
−HK$967/mo
Today · 4.125%
HK$32,499
baseline
▲ 0.50% · 4.625%
HK$34,476
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$64,998/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,021
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,934
−HK$925/mo
Today · 4.125%
HK$35,859
baseline
▲ 0.50% · 4.625%
HK$37,750
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,718/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,678
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,788
−HK$1,127/mo
Today · 4.125%
HK$37,915
baseline
▲ 0.50% · 4.625%
HK$40,222
+HK$2,307/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,830/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,692
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,756
−HK$1,080/mo
Today · 4.125%
HK$41,836
baseline
▲ 0.50% · 4.625%
HK$44,041
+HK$2,205/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,672/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,872
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,299
−HK$1,449/mo
Today · 4.125%
HK$48,748
baseline
▲ 0.50% · 4.625%
HK$51,715
+HK$2,967/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,496/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,032
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,401
−HK$1,388/mo
Today · 4.125%
HK$53,789
baseline
▲ 0.50% · 4.625%
HK$56,624
+HK$2,835/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,578/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,104 · Scale 2, in force from 26 Feb 2026)