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$25,474
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,267
−HK$805/mo
Today · 4.125%
HK$27,072
baseline
▲ 0.50% · 4.625%
HK$28,719
+HK$1,647/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,144/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,340
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,100
−HK$771/mo
Today · 4.125%
HK$29,871
baseline
▲ 0.50% · 4.625%
HK$31,446
+HK$1,575/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,742/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,569
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,520
−HK$966/mo
Today · 4.125%
HK$32,486
baseline
▲ 0.50% · 4.625%
HK$34,463
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,972/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,008
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,920
−HK$925/mo
Today · 4.125%
HK$35,845
baseline
▲ 0.50% · 4.625%
HK$37,735
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,690/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,664
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,773
−HK$1,127/mo
Today · 4.125%
HK$37,900
baseline
▲ 0.50% · 4.625%
HK$40,207
+HK$2,307/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,800/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,676
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,740
−HK$1,079/mo
Today · 4.125%
HK$41,819
baseline
▲ 0.50% · 4.625%
HK$44,024
+HK$2,205/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,638/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,854
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,280
−HK$1,449/mo
Today · 4.125%
HK$48,729
baseline
▲ 0.50% · 4.625%
HK$51,694
+HK$2,965/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,458/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,012
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,380
−HK$1,388/mo
Today · 4.125%
HK$53,768
baseline
▲ 0.50% · 4.625%
HK$56,602
+HK$2,834/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,536/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,939 · Scale 2, in force from 26 Feb 2026)