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$25,509
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,302
−HK$806/mo
Today · 4.125%
HK$27,108
baseline
▲ 0.50% · 4.625%
HK$28,758
+HK$1,650/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,216/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,378
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,139
−HK$772/mo
Today · 4.125%
HK$29,911
baseline
▲ 0.50% · 4.625%
HK$31,488
+HK$1,577/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,822/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,610
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,563
−HK$967/mo
Today · 4.125%
HK$32,530
baseline
▲ 0.50% · 4.625%
HK$34,509
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,060/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,054
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,967
−HK$927/mo
Today · 4.125%
HK$35,894
baseline
▲ 0.50% · 4.625%
HK$37,786
+HK$1,892/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,788/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,712
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,823
−HK$1,129/mo
Today · 4.125%
HK$37,952
baseline
▲ 0.50% · 4.625%
HK$40,261
+HK$2,309/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,904/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,730
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,795
−HK$1,081/mo
Today · 4.125%
HK$41,876
baseline
▲ 0.50% · 4.625%
HK$44,083
+HK$2,207/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,752/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,916
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,344
−HK$1,451/mo
Today · 4.125%
HK$48,795
baseline
▲ 0.50% · 4.625%
HK$51,764
+HK$2,969/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,590/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,081
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,451
−HK$1,390/mo
Today · 4.125%
HK$53,841
baseline
▲ 0.50% · 4.625%
HK$56,679
+HK$2,838/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,682/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,505 · Scale 2, in force from 26 Feb 2026)