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$25,493
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,286
−HK$806/mo
Today · 4.125%
HK$27,092
baseline
▲ 0.50% · 4.625%
HK$28,740
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,184/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,361
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,121
−HK$772/mo
Today · 4.125%
HK$29,893
baseline
▲ 0.50% · 4.625%
HK$31,469
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,786/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,591
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,543
−HK$967/mo
Today · 4.125%
HK$32,510
baseline
▲ 0.50% · 4.625%
HK$34,488
+HK$1,978/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,020/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,033
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,945
−HK$926/mo
Today · 4.125%
HK$35,871
baseline
▲ 0.50% · 4.625%
HK$37,762
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,742/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,690
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,800
−HK$1,128/mo
Today · 4.125%
HK$37,928
baseline
▲ 0.50% · 4.625%
HK$40,236
+HK$2,308/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,856/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,705
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,770
−HK$1,080/mo
Today · 4.125%
HK$41,850
baseline
▲ 0.50% · 4.625%
HK$44,056
+HK$2,206/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,700/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,887
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,315
−HK$1,450/mo
Today · 4.125%
HK$48,765
baseline
▲ 0.50% · 4.625%
HK$51,732
+HK$2,967/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,530/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,049
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,418
−HK$1,389/mo
Today · 4.125%
HK$53,807
baseline
▲ 0.50% · 4.625%
HK$56,643
+HK$2,836/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,614/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,244 · Scale 2, in force from 26 Feb 2026)