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$1,598/mo
▼ 0.25% · 3.875%
HK$26,269
−HK$805/mo
Today · 4.125%
HK$27,074
baseline
▲ 0.50% · 4.625%
HK$28,721
+HK$1,647/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,148/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$418,971 · 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$31,448
+HK$1,575/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$418,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,572
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,523
−HK$966/mo
Today · 4.125%
HK$32,489
baseline
▲ 0.50% · 4.625%
HK$34,466
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,978/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,011
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,923
−HK$925/mo
Today · 4.125%
HK$35,848
baseline
▲ 0.50% · 4.625%
HK$37,738
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,696/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,667
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,776
−HK$1,127/mo
Today · 4.125%
HK$37,903
baseline
▲ 0.50% · 4.625%
HK$40,210
+HK$2,307/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$418,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,679
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,743
−HK$1,080/mo
Today · 4.125%
HK$41,823
baseline
▲ 0.50% · 4.625%
HK$44,027
+HK$2,204/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,646/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,857
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,284
−HK$1,449/mo
Today · 4.125%
HK$48,733
baseline
▲ 0.50% · 4.625%
HK$51,698
+HK$2,965/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,466/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,016
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,384
−HK$1,388/mo
Today · 4.125%
HK$53,772
baseline
▲ 0.50% · 4.625%
HK$56,606
+HK$2,834/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,544/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,971 · Scale 2, in force from 26 Feb 2026)