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$25,500
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,293
−HK$806/mo
Today · 4.125%
HK$27,099
baseline
▲ 0.50% · 4.625%
HK$28,748
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,198/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,368
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,129
−HK$772/mo
Today · 4.125%
HK$29,901
baseline
▲ 0.50% · 4.625%
HK$31,477
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,802/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,600
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,551
−HK$968/mo
Today · 4.125%
HK$32,519
baseline
▲ 0.50% · 4.625%
HK$34,497
+HK$1,978/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,038/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,042
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,955
−HK$926/mo
Today · 4.125%
HK$35,881
baseline
▲ 0.50% · 4.625%
HK$37,772
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,762/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,700
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,810
−HK$1,128/mo
Today · 4.125%
HK$37,938
baseline
▲ 0.50% · 4.625%
HK$40,247
+HK$2,309/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,876/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,715
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,781
−HK$1,080/mo
Today · 4.125%
HK$41,861
baseline
▲ 0.50% · 4.625%
HK$44,068
+HK$2,207/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,722/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,899
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,327
−HK$1,451/mo
Today · 4.125%
HK$48,778
baseline
▲ 0.50% · 4.625%
HK$51,746
+HK$2,968/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,556/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,063
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,432
−HK$1,389/mo
Today · 4.125%
HK$53,821
baseline
▲ 0.50% · 4.625%
HK$56,658
+HK$2,837/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,642/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,357 · Scale 2, in force from 26 Feb 2026)