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$25,506
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,299
−HK$806/mo
Today · 4.125%
HK$27,105
baseline
▲ 0.50% · 4.625%
HK$28,754
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,210/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,375
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,136
−HK$772/mo
Today · 4.125%
HK$29,908
baseline
▲ 0.50% · 4.625%
HK$31,484
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,816/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,607
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,559
−HK$967/mo
Today · 4.125%
HK$32,526
baseline
▲ 0.50% · 4.625%
HK$34,505
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,052/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,050
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,963
−HK$927/mo
Today · 4.125%
HK$35,890
baseline
▲ 0.50% · 4.625%
HK$37,781
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,780/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,708
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,819
−HK$1,128/mo
Today · 4.125%
HK$37,947
baseline
▲ 0.50% · 4.625%
HK$40,256
+HK$2,309/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,894/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,725
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,790
−HK$1,081/mo
Today · 4.125%
HK$41,871
baseline
▲ 0.50% · 4.625%
HK$44,078
+HK$2,207/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,742/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,910
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,338
−HK$1,451/mo
Today · 4.125%
HK$48,789
baseline
▲ 0.50% · 4.625%
HK$51,758
+HK$2,969/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,578/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,075
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,445
−HK$1,389/mo
Today · 4.125%
HK$53,834
baseline
▲ 0.50% · 4.625%
HK$56,672
+HK$2,838/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,668/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,456 · Scale 2, in force from 26 Feb 2026)