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$25,468
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,261
−HK$804/mo
Today · 4.125%
HK$27,065
baseline
▲ 0.50% · 4.625%
HK$28,712
+HK$1,647/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,130/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,333
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,093
−HK$771/mo
Today · 4.125%
HK$29,864
baseline
▲ 0.50% · 4.625%
HK$31,438
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,728/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,562
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,513
−HK$966/mo
Today · 4.125%
HK$32,479
baseline
▲ 0.50% · 4.625%
HK$34,455
+HK$1,976/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,958/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,000
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,912
−HK$925/mo
Today · 4.125%
HK$35,837
baseline
▲ 0.50% · 4.625%
HK$37,726
+HK$1,889/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,674/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,656
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,765
−HK$1,127/mo
Today · 4.125%
HK$37,892
baseline
▲ 0.50% · 4.625%
HK$40,197
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,784/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,667
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,730
−HK$1,080/mo
Today · 4.125%
HK$41,810
baseline
▲ 0.50% · 4.625%
HK$44,014
+HK$2,204/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,620/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,843
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,269
−HK$1,449/mo
Today · 4.125%
HK$48,718
baseline
▲ 0.50% · 4.625%
HK$51,682
+HK$2,964/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,436/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,000
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,368
−HK$1,387/mo
Today · 4.125%
HK$53,755
baseline
▲ 0.50% · 4.625%
HK$56,589
+HK$2,834/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,510/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,841 · Scale 2, in force from 26 Feb 2026)