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$25,420
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,211
−HK$803/mo
Today · 4.125%
HK$27,014
baseline
▲ 0.50% · 4.625%
HK$28,658
+HK$1,644/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,028/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,280
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,038
−HK$770/mo
Today · 4.125%
HK$29,808
baseline
▲ 0.50% · 4.625%
HK$31,379
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,616/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,504
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,453
−HK$964/mo
Today · 4.125%
HK$32,417
baseline
▲ 0.50% · 4.625%
HK$34,390
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,834/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,936
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,846
−HK$923/mo
Today · 4.125%
HK$35,769
baseline
▲ 0.50% · 4.625%
HK$37,654
+HK$1,885/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,538/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,588
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,695
−HK$1,125/mo
Today · 4.125%
HK$37,820
baseline
▲ 0.50% · 4.625%
HK$40,121
+HK$2,301/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,640/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,592
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,653
−HK$1,078/mo
Today · 4.125%
HK$41,731
baseline
▲ 0.50% · 4.625%
HK$43,930
+HK$2,199/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,462/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,756
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,180
−HK$1,446/mo
Today · 4.125%
HK$48,626
baseline
▲ 0.50% · 4.625%
HK$51,584
+HK$2,958/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,252/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,903
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,269
−HK$1,385/mo
Today · 4.125%
HK$53,654
baseline
▲ 0.50% · 4.625%
HK$56,482
+HK$2,828/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,308/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,048 · Scale 2, in force from 26 Feb 2026)