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$25,494
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,287
−HK$806/mo
Today · 4.125%
HK$27,093
baseline
▲ 0.50% · 4.625%
HK$28,741
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,186/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,362
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,122
−HK$772/mo
Today · 4.125%
HK$29,894
baseline
▲ 0.50% · 4.625%
HK$31,470
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,788/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,593
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,544
−HK$967/mo
Today · 4.125%
HK$32,511
baseline
▲ 0.50% · 4.625%
HK$34,489
+HK$1,978/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,022/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,034
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,947
−HK$926/mo
Today · 4.125%
HK$35,873
baseline
▲ 0.50% · 4.625%
HK$37,764
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,746/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,692
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,802
−HK$1,128/mo
Today · 4.125%
HK$37,930
baseline
▲ 0.50% · 4.625%
HK$40,238
+HK$2,308/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,860/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,706
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,771
−HK$1,081/mo
Today · 4.125%
HK$41,852
baseline
▲ 0.50% · 4.625%
HK$44,058
+HK$2,206/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,704/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,889
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,316
−HK$1,451/mo
Today · 4.125%
HK$48,767
baseline
▲ 0.50% · 4.625%
HK$51,734
+HK$2,967/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,534/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,051
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,420
−HK$1,389/mo
Today · 4.125%
HK$53,809
baseline
▲ 0.50% · 4.625%
HK$56,646
+HK$2,837/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,618/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,261 · Scale 2, in force from 26 Feb 2026)