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$25,493
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,286
−HK$805/mo
Today · 4.125%
HK$27,091
baseline
▲ 0.50% · 4.625%
HK$28,740
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,182/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,360
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,121
−HK$771/mo
Today · 4.125%
HK$29,892
baseline
▲ 0.50% · 4.625%
HK$31,468
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,784/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,591
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,543
−HK$966/mo
Today · 4.125%
HK$32,509
baseline
▲ 0.50% · 4.625%
HK$34,488
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,018/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,032
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,945
−HK$926/mo
Today · 4.125%
HK$35,871
baseline
▲ 0.50% · 4.625%
HK$37,762
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,742/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,690
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,800
−HK$1,128/mo
Today · 4.125%
HK$37,928
baseline
▲ 0.50% · 4.625%
HK$40,235
+HK$2,307/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,856/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,704
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,769
−HK$1,080/mo
Today · 4.125%
HK$41,849
baseline
▲ 0.50% · 4.625%
HK$44,055
+HK$2,206/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,698/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,887
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,314
−HK$1,450/mo
Today · 4.125%
HK$48,764
baseline
▲ 0.50% · 4.625%
HK$51,731
+HK$2,967/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,528/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,048
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,418
−HK$1,388/mo
Today · 4.125%
HK$53,806
baseline
▲ 0.50% · 4.625%
HK$56,643
+HK$2,837/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,612/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,239 · Scale 2, in force from 26 Feb 2026)