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$25,482
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,275
−HK$805/mo
Today · 4.125%
HK$27,080
baseline
▲ 0.50% · 4.625%
HK$28,728
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,160/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,349
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,109
−HK$771/mo
Today · 4.125%
HK$29,880
baseline
▲ 0.50% · 4.625%
HK$31,455
+HK$1,575/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,760/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,579
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,530
−HK$966/mo
Today · 4.125%
HK$32,496
baseline
▲ 0.50% · 4.625%
HK$34,474
+HK$1,978/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$64,992/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,019
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,931
−HK$925/mo
Today · 4.125%
HK$35,856
baseline
▲ 0.50% · 4.625%
HK$37,746
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,712/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,675
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,785
−HK$1,127/mo
Today · 4.125%
HK$37,912
baseline
▲ 0.50% · 4.625%
HK$40,219
+HK$2,307/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,824/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,688
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,753
−HK$1,080/mo
Today · 4.125%
HK$41,833
baseline
▲ 0.50% · 4.625%
HK$44,038
+HK$2,205/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,666/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,868
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,295
−HK$1,449/mo
Today · 4.125%
HK$48,744
baseline
▲ 0.50% · 4.625%
HK$51,710
+HK$2,966/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,488/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,028
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,396
−HK$1,389/mo
Today · 4.125%
HK$53,785
baseline
▲ 0.50% · 4.625%
HK$56,620
+HK$2,835/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,570/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,070 · Scale 2, in force from 26 Feb 2026)