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$25,476
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,268
−HK$805/mo
Today · 4.125%
HK$27,073
baseline
▲ 0.50% · 4.625%
HK$28,721
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,146/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$418,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,342
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,102
−HK$771/mo
Today · 4.125%
HK$29,873
baseline
▲ 0.50% · 4.625%
HK$31,447
+HK$1,574/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,746/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$418,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,571
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,522
−HK$966/mo
Today · 4.125%
HK$32,488
baseline
▲ 0.50% · 4.625%
HK$34,465
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,976/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,010
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,922
−HK$925/mo
Today · 4.125%
HK$35,847
baseline
▲ 0.50% · 4.625%
HK$37,737
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,694/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,666
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,775
−HK$1,128/mo
Today · 4.125%
HK$37,903
baseline
▲ 0.50% · 4.625%
HK$40,209
+HK$2,306/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,806/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,678
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,742
−HK$1,080/mo
Today · 4.125%
HK$41,822
baseline
▲ 0.50% · 4.625%
HK$44,026
+HK$2,204/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,644/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,856
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,283
−HK$1,449/mo
Today · 4.125%
HK$48,732
baseline
▲ 0.50% · 4.625%
HK$51,697
+HK$2,965/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,464/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,015
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,383
−HK$1,388/mo
Today · 4.125%
HK$53,771
baseline
▲ 0.50% · 4.625%
HK$56,605
+HK$2,834/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,542/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,962 · Scale 2, in force from 26 Feb 2026)