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$25,498
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,292
−HK$805/mo
Today · 4.125%
HK$27,097
baseline
▲ 0.50% · 4.625%
HK$28,746
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,194/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,367
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,128
−HK$771/mo
Today · 4.125%
HK$29,899
baseline
▲ 0.50% · 4.625%
HK$31,475
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,798/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,598
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,550
−HK$967/mo
Today · 4.125%
HK$32,517
baseline
▲ 0.50% · 4.625%
HK$34,495
+HK$1,978/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,034/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,040
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,953
−HK$926/mo
Today · 4.125%
HK$35,879
baseline
▲ 0.50% · 4.625%
HK$37,770
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,758/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,698
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,808
−HK$1,128/mo
Today · 4.125%
HK$37,936
baseline
▲ 0.50% · 4.625%
HK$40,245
+HK$2,309/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,872/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,713
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,779
−HK$1,080/mo
Today · 4.125%
HK$41,859
baseline
▲ 0.50% · 4.625%
HK$44,066
+HK$2,207/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,718/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,897
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,325
−HK$1,450/mo
Today · 4.125%
HK$48,775
baseline
▲ 0.50% · 4.625%
HK$51,743
+HK$2,968/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,550/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,060
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,430
−HK$1,389/mo
Today · 4.125%
HK$53,819
baseline
▲ 0.50% · 4.625%
HK$56,656
+HK$2,837/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,638/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,336 · Scale 2, in force from 26 Feb 2026)