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$25,491
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,284
−HK$806/mo
Today · 4.125%
HK$27,090
baseline
▲ 0.50% · 4.625%
HK$28,738
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,180/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,359
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,119
−HK$772/mo
Today · 4.125%
HK$29,891
baseline
▲ 0.50% · 4.625%
HK$31,466
+HK$1,575/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,782/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,589
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,541
−HK$967/mo
Today · 4.125%
HK$32,508
baseline
▲ 0.50% · 4.625%
HK$34,486
+HK$1,978/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,016/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,030
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,943
−HK$926/mo
Today · 4.125%
HK$35,869
baseline
▲ 0.50% · 4.625%
HK$37,760
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,738/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,688
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,798
−HK$1,127/mo
Today · 4.125%
HK$37,925
baseline
▲ 0.50% · 4.625%
HK$40,233
+HK$2,308/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,850/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,702
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,767
−HK$1,080/mo
Today · 4.125%
HK$41,847
baseline
▲ 0.50% · 4.625%
HK$44,053
+HK$2,206/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,694/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,884
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,311
−HK$1,450/mo
Today · 4.125%
HK$48,761
baseline
▲ 0.50% · 4.625%
HK$51,728
+HK$2,967/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,522/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,045
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,414
−HK$1,389/mo
Today · 4.125%
HK$53,803
baseline
▲ 0.50% · 4.625%
HK$56,639
+HK$2,836/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,606/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,215 · Scale 2, in force from 26 Feb 2026)