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$25,467
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,260
−HK$804/mo
Today · 4.125%
HK$27,064
baseline
▲ 0.50% · 4.625%
HK$28,711
+HK$1,647/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,128/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,332
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,092
−HK$771/mo
Today · 4.125%
HK$29,863
baseline
▲ 0.50% · 4.625%
HK$31,437
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,726/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,561
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,512
−HK$965/mo
Today · 4.125%
HK$32,477
baseline
▲ 0.50% · 4.625%
HK$34,454
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,954/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,999
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,911
−HK$925/mo
Today · 4.125%
HK$35,836
baseline
▲ 0.50% · 4.625%
HK$37,724
+HK$1,888/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,672/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,654
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,763
−HK$1,127/mo
Today · 4.125%
HK$37,890
baseline
▲ 0.50% · 4.625%
HK$40,196
+HK$2,306/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,780/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,665
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,729
−HK$1,079/mo
Today · 4.125%
HK$41,808
baseline
▲ 0.50% · 4.625%
HK$44,012
+HK$2,204/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,616/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,841
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,267
−HK$1,449/mo
Today · 4.125%
HK$48,716
baseline
▲ 0.50% · 4.625%
HK$51,680
+HK$2,964/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,432/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,998
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,366
−HK$1,387/mo
Today · 4.125%
HK$53,753
baseline
▲ 0.50% · 4.625%
HK$56,587
+HK$2,834/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,506/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,826 · Scale 2, in force from 26 Feb 2026)