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$25,433
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,224
−HK$804/mo
Today · 4.125%
HK$27,028
baseline
▲ 0.50% · 4.625%
HK$28,673
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,056/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,294
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,053
−HK$770/mo
Today · 4.125%
HK$29,823
baseline
▲ 0.50% · 4.625%
HK$31,395
+HK$1,572/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,646/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,520
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,469
−HK$965/mo
Today · 4.125%
HK$32,434
baseline
▲ 0.50% · 4.625%
HK$34,407
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,868/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,953
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,864
−HK$923/mo
Today · 4.125%
HK$35,787
baseline
▲ 0.50% · 4.625%
HK$37,674
+HK$1,887/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,574/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,607
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,714
−HK$1,125/mo
Today · 4.125%
HK$37,839
baseline
▲ 0.50% · 4.625%
HK$40,142
+HK$2,303/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,678/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,612
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,674
−HK$1,078/mo
Today · 4.125%
HK$41,752
baseline
▲ 0.50% · 4.625%
HK$43,953
+HK$2,201/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,504/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,780
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,204
−HK$1,447/mo
Today · 4.125%
HK$48,651
baseline
▲ 0.50% · 4.625%
HK$51,611
+HK$2,960/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,302/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,930
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,295
−HK$1,386/mo
Today · 4.125%
HK$53,681
baseline
▲ 0.50% · 4.625%
HK$56,511
+HK$2,830/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,362/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,263 · Scale 2, in force from 26 Feb 2026)