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$25,507
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,301
−HK$806/mo
Today · 4.125%
HK$27,107
baseline
▲ 0.50% · 4.625%
HK$28,756
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,214/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,376
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,137
−HK$772/mo
Today · 4.125%
HK$29,909
baseline
▲ 0.50% · 4.625%
HK$31,486
+HK$1,577/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,818/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,609
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,561
−HK$967/mo
Today · 4.125%
HK$32,528
baseline
▲ 0.50% · 4.625%
HK$34,507
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,056/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,052
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,965
−HK$926/mo
Today · 4.125%
HK$35,891
baseline
▲ 0.50% · 4.625%
HK$37,783
+HK$1,892/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,782/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,710
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,821
−HK$1,128/mo
Today · 4.125%
HK$37,949
baseline
▲ 0.50% · 4.625%
HK$40,258
+HK$2,309/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,898/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,727
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,792
−HK$1,081/mo
Today · 4.125%
HK$41,873
baseline
▲ 0.50% · 4.625%
HK$44,080
+HK$2,207/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,746/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,913
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,341
−HK$1,451/mo
Today · 4.125%
HK$48,792
baseline
▲ 0.50% · 4.625%
HK$51,761
+HK$2,969/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,584/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,078
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,447
−HK$1,390/mo
Today · 4.125%
HK$53,837
baseline
▲ 0.50% · 4.625%
HK$56,675
+HK$2,838/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,674/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,478 · Scale 2, in force from 26 Feb 2026)