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$25,471
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,263
−HK$805/mo
Today · 4.125%
HK$27,068
baseline
▲ 0.50% · 4.625%
HK$28,715
+HK$1,647/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,136/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,336
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,096
−HK$771/mo
Today · 4.125%
HK$29,867
baseline
▲ 0.50% · 4.625%
HK$31,441
+HK$1,574/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,734/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,565
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,516
−HK$966/mo
Today · 4.125%
HK$32,482
baseline
▲ 0.50% · 4.625%
HK$34,458
+HK$1,976/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,964/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,003
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,915
−HK$925/mo
Today · 4.125%
HK$35,840
baseline
▲ 0.50% · 4.625%
HK$37,730
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,680/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,659
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,768
−HK$1,127/mo
Today · 4.125%
HK$37,895
baseline
▲ 0.50% · 4.625%
HK$40,201
+HK$2,306/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,790/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,670
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,734
−HK$1,080/mo
Today · 4.125%
HK$41,814
baseline
▲ 0.50% · 4.625%
HK$44,018
+HK$2,204/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,628/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,848
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,274
−HK$1,449/mo
Today · 4.125%
HK$48,723
baseline
▲ 0.50% · 4.625%
HK$51,687
+HK$2,964/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,446/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,005
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,373
−HK$1,388/mo
Today · 4.125%
HK$53,761
baseline
▲ 0.50% · 4.625%
HK$56,594
+HK$2,833/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,522/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,882 · Scale 2, in force from 26 Feb 2026)