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$25,435
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,226
−HK$804/mo
Today · 4.125%
HK$27,030
baseline
▲ 0.50% · 4.625%
HK$28,675
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,060/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,296
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,055
−HK$770/mo
Today · 4.125%
HK$29,825
baseline
▲ 0.50% · 4.625%
HK$31,397
+HK$1,572/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,650/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,522
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,472
−HK$964/mo
Today · 4.125%
HK$32,436
baseline
▲ 0.50% · 4.625%
HK$34,410
+HK$1,974/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,872/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,956
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,866
−HK$924/mo
Today · 4.125%
HK$35,790
baseline
▲ 0.50% · 4.625%
HK$37,677
+HK$1,887/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,580/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,609
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,717
−HK$1,125/mo
Today · 4.125%
HK$37,842
baseline
▲ 0.50% · 4.625%
HK$40,145
+HK$2,303/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,684/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,615
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,677
−HK$1,078/mo
Today · 4.125%
HK$41,755
baseline
▲ 0.50% · 4.625%
HK$43,956
+HK$2,201/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,510/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,783
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,208
−HK$1,446/mo
Today · 4.125%
HK$48,654
baseline
▲ 0.50% · 4.625%
HK$51,615
+HK$2,961/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,308/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,934
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,300
−HK$1,385/mo
Today · 4.125%
HK$53,685
baseline
▲ 0.50% · 4.625%
HK$56,515
+HK$2,830/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,370/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,296 · Scale 2, in force from 26 Feb 2026)