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$25,463
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,255
−HK$805/mo
Today · 4.125%
HK$27,060
baseline
▲ 0.50% · 4.625%
HK$28,707
+HK$1,647/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,120/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,328
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,088
−HK$770/mo
Today · 4.125%
HK$29,858
baseline
▲ 0.50% · 4.625%
HK$31,432
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,716/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,556
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,507
−HK$965/mo
Today · 4.125%
HK$32,472
baseline
▲ 0.50% · 4.625%
HK$34,448
+HK$1,976/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,944/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,993
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,905
−HK$925/mo
Today · 4.125%
HK$35,830
baseline
▲ 0.50% · 4.625%
HK$37,719
+HK$1,889/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,660/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,649
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,758
−HK$1,126/mo
Today · 4.125%
HK$37,884
baseline
▲ 0.50% · 4.625%
HK$40,189
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,768/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,659
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,723
−HK$1,079/mo
Today · 4.125%
HK$41,802
baseline
▲ 0.50% · 4.625%
HK$44,005
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,604/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,834
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,260
−HK$1,448/mo
Today · 4.125%
HK$48,708
baseline
▲ 0.50% · 4.625%
HK$51,672
+HK$2,964/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,416/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,990
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,358
−HK$1,387/mo
Today · 4.125%
HK$53,745
baseline
▲ 0.50% · 4.625%
HK$56,578
+HK$2,833/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,490/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,760 · Scale 2, in force from 26 Feb 2026)