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$25,454
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,246
−HK$804/mo
Today · 4.125%
HK$27,050
baseline
▲ 0.50% · 4.625%
HK$28,696
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,100/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,317
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,077
−HK$770/mo
Today · 4.125%
HK$29,847
baseline
▲ 0.50% · 4.625%
HK$31,420
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,694/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,545
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,495
−HK$965/mo
Today · 4.125%
HK$32,460
baseline
▲ 0.50% · 4.625%
HK$34,435
+HK$1,975/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,920/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,981
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,892
−HK$924/mo
Today · 4.125%
HK$35,816
baseline
▲ 0.50% · 4.625%
HK$37,704
+HK$1,888/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,632/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,635
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,744
−HK$1,126/mo
Today · 4.125%
HK$37,870
baseline
▲ 0.50% · 4.625%
HK$40,174
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,740/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,644
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,707
−HK$1,079/mo
Today · 4.125%
HK$41,786
baseline
▲ 0.50% · 4.625%
HK$43,988
+HK$2,202/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,572/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,817
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,242
−HK$1,448/mo
Today · 4.125%
HK$48,690
baseline
▲ 0.50% · 4.625%
HK$51,653
+HK$2,963/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,380/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,971
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,338
−HK$1,387/mo
Today · 4.125%
HK$53,725
baseline
▲ 0.50% · 4.625%
HK$56,557
+HK$2,832/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,450/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,602 · Scale 2, in force from 26 Feb 2026)