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$25,498
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,291
−HK$806/mo
Today · 4.125%
HK$27,097
baseline
▲ 0.50% · 4.625%
HK$28,746
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,194/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,366
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,127
−HK$772/mo
Today · 4.125%
HK$29,899
baseline
▲ 0.50% · 4.625%
HK$31,475
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,798/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,598
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,549
−HK$967/mo
Today · 4.125%
HK$32,516
baseline
▲ 0.50% · 4.625%
HK$34,495
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,032/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,039
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,952
−HK$927/mo
Today · 4.125%
HK$35,879
baseline
▲ 0.50% · 4.625%
HK$37,770
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,758/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,697
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,808
−HK$1,128/mo
Today · 4.125%
HK$37,936
baseline
▲ 0.50% · 4.625%
HK$40,244
+HK$2,308/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,872/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,713
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,778
−HK$1,080/mo
Today · 4.125%
HK$41,858
baseline
▲ 0.50% · 4.625%
HK$44,065
+HK$2,207/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,716/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,896
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,324
−HK$1,450/mo
Today · 4.125%
HK$48,774
baseline
▲ 0.50% · 4.625%
HK$51,742
+HK$2,968/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,548/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,059
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,429
−HK$1,389/mo
Today · 4.125%
HK$53,818
baseline
▲ 0.50% · 4.625%
HK$56,655
+HK$2,837/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,636/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,328 · Scale 2, in force from 26 Feb 2026)