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$25,439
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,231
−HK$804/mo
Today · 4.125%
HK$27,035
baseline
▲ 0.50% · 4.625%
HK$28,680
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,070/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,301
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,060
−HK$770/mo
Today · 4.125%
HK$29,830
baseline
▲ 0.50% · 4.625%
HK$31,403
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,660/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,527
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,477
−HK$965/mo
Today · 4.125%
HK$32,442
baseline
▲ 0.50% · 4.625%
HK$34,416
+HK$1,974/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,884/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,961
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,872
−HK$924/mo
Today · 4.125%
HK$35,796
baseline
▲ 0.50% · 4.625%
HK$37,683
+HK$1,887/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,592/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,615
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,723
−HK$1,126/mo
Today · 4.125%
HK$37,849
baseline
▲ 0.50% · 4.625%
HK$40,152
+HK$2,303/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,698/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,622
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,684
−HK$1,078/mo
Today · 4.125%
HK$41,762
baseline
▲ 0.50% · 4.625%
HK$43,964
+HK$2,202/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,524/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,791
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,215
−HK$1,448/mo
Today · 4.125%
HK$48,663
baseline
▲ 0.50% · 4.625%
HK$51,624
+HK$2,961/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,326/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,942
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,308
−HK$1,386/mo
Today · 4.125%
HK$53,694
baseline
▲ 0.50% · 4.625%
HK$56,525
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,388/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,365 · Scale 2, in force from 26 Feb 2026)