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$25,492
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,285
−HK$805/mo
Today · 4.125%
HK$27,090
baseline
▲ 0.50% · 4.625%
HK$28,739
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,180/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,359
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,120
−HK$771/mo
Today · 4.125%
HK$29,891
baseline
▲ 0.50% · 4.625%
HK$31,467
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,782/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,590
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,542
−HK$966/mo
Today · 4.125%
HK$32,508
baseline
▲ 0.50% · 4.625%
HK$34,486
+HK$1,978/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,016/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,031
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,944
−HK$926/mo
Today · 4.125%
HK$35,870
baseline
▲ 0.50% · 4.625%
HK$37,761
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,740/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,688
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,799
−HK$1,127/mo
Today · 4.125%
HK$37,926
baseline
▲ 0.50% · 4.625%
HK$40,234
+HK$2,308/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,852/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,703
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,768
−HK$1,080/mo
Today · 4.125%
HK$41,848
baseline
▲ 0.50% · 4.625%
HK$44,054
+HK$2,206/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,696/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,885
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,312
−HK$1,451/mo
Today · 4.125%
HK$48,763
baseline
▲ 0.50% · 4.625%
HK$51,730
+HK$2,967/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,526/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,047
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,416
−HK$1,389/mo
Today · 4.125%
HK$53,805
baseline
▲ 0.50% · 4.625%
HK$56,641
+HK$2,836/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,610/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,226 · Scale 2, in force from 26 Feb 2026)