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$25,447
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,239
−HK$804/mo
Today · 4.125%
HK$27,043
baseline
▲ 0.50% · 4.625%
HK$28,689
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,086/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,310
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,069
−HK$770/mo
Today · 4.125%
HK$29,839
baseline
▲ 0.50% · 4.625%
HK$31,412
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,678/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,537
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,487
−HK$965/mo
Today · 4.125%
HK$32,452
baseline
▲ 0.50% · 4.625%
HK$34,426
+HK$1,974/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,904/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,972
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,883
−HK$924/mo
Today · 4.125%
HK$35,807
baseline
▲ 0.50% · 4.625%
HK$37,695
+HK$1,888/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,614/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,626
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,734
−HK$1,126/mo
Today · 4.125%
HK$37,860
baseline
▲ 0.50% · 4.625%
HK$40,164
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,720/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,634
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,697
−HK$1,078/mo
Today · 4.125%
HK$41,775
baseline
▲ 0.50% · 4.625%
HK$43,977
+HK$2,202/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,550/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,805
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,230
−HK$1,448/mo
Today · 4.125%
HK$48,678
baseline
▲ 0.50% · 4.625%
HK$51,640
+HK$2,962/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,356/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,958
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,324
−HK$1,387/mo
Today · 4.125%
HK$53,711
baseline
▲ 0.50% · 4.625%
HK$56,542
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,422/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,495 · Scale 2, in force from 26 Feb 2026)