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$25,466
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,258
−HK$805/mo
Today · 4.125%
HK$27,063
baseline
▲ 0.50% · 4.625%
HK$28,709
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,126/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,330
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,090
−HK$771/mo
Today · 4.125%
HK$29,861
baseline
▲ 0.50% · 4.625%
HK$31,435
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,722/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,559
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,509
−HK$966/mo
Today · 4.125%
HK$32,475
baseline
▲ 0.50% · 4.625%
HK$34,451
+HK$1,976/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,950/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,996
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,908
−HK$925/mo
Today · 4.125%
HK$35,833
baseline
▲ 0.50% · 4.625%
HK$37,722
+HK$1,889/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,666/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,652
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,761
−HK$1,127/mo
Today · 4.125%
HK$37,888
baseline
▲ 0.50% · 4.625%
HK$40,193
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,776/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,663
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,726
−HK$1,079/mo
Today · 4.125%
HK$41,805
baseline
▲ 0.50% · 4.625%
HK$44,009
+HK$2,204/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,610/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,838
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,264
−HK$1,449/mo
Today · 4.125%
HK$48,713
baseline
▲ 0.50% · 4.625%
HK$51,677
+HK$2,964/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,426/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,995
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,362
−HK$1,388/mo
Today · 4.125%
HK$53,750
baseline
▲ 0.50% · 4.625%
HK$56,583
+HK$2,833/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,500/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,798 · Scale 2, in force from 26 Feb 2026)