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$25,460
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,252
−HK$804/mo
Today · 4.125%
HK$27,056
baseline
▲ 0.50% · 4.625%
HK$28,703
+HK$1,647/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,112/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,324
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,083
−HK$771/mo
Today · 4.125%
HK$29,854
baseline
▲ 0.50% · 4.625%
HK$31,428
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,708/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,552
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,502
−HK$966/mo
Today · 4.125%
HK$32,468
baseline
▲ 0.50% · 4.625%
HK$34,443
+HK$1,975/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,936/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,989
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,900
−HK$925/mo
Today · 4.125%
HK$35,825
baseline
▲ 0.50% · 4.625%
HK$37,713
+HK$1,888/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,650/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,644
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,752
−HK$1,127/mo
Today · 4.125%
HK$37,879
baseline
▲ 0.50% · 4.625%
HK$40,184
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,758/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,653
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,717
−HK$1,079/mo
Today · 4.125%
HK$41,796
baseline
▲ 0.50% · 4.625%
HK$43,999
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,592/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,828
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,253
−HK$1,448/mo
Today · 4.125%
HK$48,701
baseline
▲ 0.50% · 4.625%
HK$51,665
+HK$2,964/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,402/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,983
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,350
−HK$1,387/mo
Today · 4.125%
HK$53,737
baseline
▲ 0.50% · 4.625%
HK$56,570
+HK$2,833/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,474/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,700 · Scale 2, in force from 26 Feb 2026)