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$25,488
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,280
−HK$806/mo
Today · 4.125%
HK$27,086
baseline
▲ 0.50% · 4.625%
HK$28,734
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,172/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,355
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,115
−HK$772/mo
Today · 4.125%
HK$29,887
baseline
▲ 0.50% · 4.625%
HK$31,462
+HK$1,575/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,774/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,585
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,537
−HK$966/mo
Today · 4.125%
HK$32,503
baseline
▲ 0.50% · 4.625%
HK$34,481
+HK$1,978/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,006/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,026
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,938
−HK$926/mo
Today · 4.125%
HK$35,864
baseline
▲ 0.50% · 4.625%
HK$37,754
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,728/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,683
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,793
−HK$1,127/mo
Today · 4.125%
HK$37,920
baseline
▲ 0.50% · 4.625%
HK$40,228
+HK$2,308/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,840/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,697
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,761
−HK$1,080/mo
Today · 4.125%
HK$41,841
baseline
▲ 0.50% · 4.625%
HK$44,047
+HK$2,206/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,682/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,878
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,305
−HK$1,450/mo
Today · 4.125%
HK$48,755
baseline
▲ 0.50% · 4.625%
HK$51,721
+HK$2,966/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,510/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,039
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,407
−HK$1,389/mo
Today · 4.125%
HK$53,796
baseline
▲ 0.50% · 4.625%
HK$56,632
+HK$2,836/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,592/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,158 · Scale 2, in force from 26 Feb 2026)