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$25,477
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,270
−HK$805/mo
Today · 4.125%
HK$27,075
baseline
▲ 0.50% · 4.625%
HK$28,723
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,150/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$418,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,343
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,104
−HK$771/mo
Today · 4.125%
HK$29,875
baseline
▲ 0.50% · 4.625%
HK$31,449
+HK$1,574/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$418,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,573
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,524
−HK$966/mo
Today · 4.125%
HK$32,490
baseline
▲ 0.50% · 4.625%
HK$34,467
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,980/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,012
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,924
−HK$926/mo
Today · 4.125%
HK$35,850
baseline
▲ 0.50% · 4.625%
HK$37,739
+HK$1,889/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$418,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,668
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,778
−HK$1,127/mo
Today · 4.125%
HK$37,905
baseline
▲ 0.50% · 4.625%
HK$40,212
+HK$2,307/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,810/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,681
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,745
−HK$1,080/mo
Today · 4.125%
HK$41,825
baseline
▲ 0.50% · 4.625%
HK$44,029
+HK$2,204/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$418,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,859
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,286
−HK$1,449/mo
Today · 4.125%
HK$48,735
baseline
▲ 0.50% · 4.625%
HK$51,701
+HK$2,966/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,470/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,018
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,386
−HK$1,388/mo
Today · 4.125%
HK$53,774
baseline
▲ 0.50% · 4.625%
HK$56,609
+HK$2,835/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,548/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,990 · Scale 2, in force from 26 Feb 2026)