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$25,480
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,273
−HK$805/mo
Today · 4.125%
HK$27,078
baseline
▲ 0.50% · 4.625%
HK$28,726
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,156/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,347
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,107
−HK$771/mo
Today · 4.125%
HK$29,878
baseline
▲ 0.50% · 4.625%
HK$31,453
+HK$1,575/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,756/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,576
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,527
−HK$967/mo
Today · 4.125%
HK$32,494
baseline
▲ 0.50% · 4.625%
HK$34,471
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,988/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,016
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,928
−HK$926/mo
Today · 4.125%
HK$35,854
baseline
▲ 0.50% · 4.625%
HK$37,744
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,708/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,672
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,782
−HK$1,127/mo
Today · 4.125%
HK$37,909
baseline
▲ 0.50% · 4.625%
HK$40,216
+HK$2,307/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,818/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,685
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,749
−HK$1,080/mo
Today · 4.125%
HK$41,829
baseline
▲ 0.50% · 4.625%
HK$44,034
+HK$2,205/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,658/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,864
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,291
−HK$1,450/mo
Today · 4.125%
HK$48,741
baseline
▲ 0.50% · 4.625%
HK$51,706
+HK$2,965/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,482/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,024
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,392
−HK$1,388/mo
Today · 4.125%
HK$53,780
baseline
▲ 0.50% · 4.625%
HK$56,615
+HK$2,835/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,560/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,037 · Scale 2, in force from 26 Feb 2026)