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$25,478
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,270
−HK$806/mo
Today · 4.125%
HK$27,076
baseline
▲ 0.50% · 4.625%
HK$28,723
+HK$1,647/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,152/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$418,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,344
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,104
−HK$771/mo
Today · 4.125%
HK$29,875
baseline
▲ 0.50% · 4.625%
HK$31,450
+HK$1,575/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,750/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$418,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,573
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,524
−HK$967/mo
Today · 4.125%
HK$32,491
baseline
▲ 0.50% · 4.625%
HK$34,468
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,982/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,013
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,925
−HK$925/mo
Today · 4.125%
HK$35,850
baseline
▲ 0.50% · 4.625%
HK$37,740
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,700/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,669
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,779
−HK$1,127/mo
Today · 4.125%
HK$37,906
baseline
▲ 0.50% · 4.625%
HK$40,212
+HK$2,306/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,812/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,681
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,746
−HK$1,079/mo
Today · 4.125%
HK$41,825
baseline
▲ 0.50% · 4.625%
HK$44,030
+HK$2,205/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,650/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,860
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,287
−HK$1,449/mo
Today · 4.125%
HK$48,736
baseline
▲ 0.50% · 4.625%
HK$51,702
+HK$2,966/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,472/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,019
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,387
−HK$1,388/mo
Today · 4.125%
HK$53,775
baseline
▲ 0.50% · 4.625%
HK$56,610
+HK$2,835/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,550/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,998 · Scale 2, in force from 26 Feb 2026)