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$25,462
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,254
−HK$804/mo
Today · 4.125%
HK$27,058
baseline
▲ 0.50% · 4.625%
HK$28,705
+HK$1,647/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,116/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,326
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,086
−HK$770/mo
Today · 4.125%
HK$29,856
baseline
▲ 0.50% · 4.625%
HK$31,430
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,712/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,554
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,505
−HK$965/mo
Today · 4.125%
HK$32,470
baseline
▲ 0.50% · 4.625%
HK$34,446
+HK$1,976/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,940/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,991
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,903
−HK$925/mo
Today · 4.125%
HK$35,828
baseline
▲ 0.50% · 4.625%
HK$37,716
+HK$1,888/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,656/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,647
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,755
−HK$1,127/mo
Today · 4.125%
HK$37,882
baseline
▲ 0.50% · 4.625%
HK$40,187
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,764/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,656
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,720
−HK$1,079/mo
Today · 4.125%
HK$41,799
baseline
▲ 0.50% · 4.625%
HK$44,002
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,598/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,831
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,257
−HK$1,448/mo
Today · 4.125%
HK$48,705
baseline
▲ 0.50% · 4.625%
HK$51,669
+HK$2,964/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,410/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,987
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,354
−HK$1,387/mo
Today · 4.125%
HK$53,741
baseline
▲ 0.50% · 4.625%
HK$56,574
+HK$2,833/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,482/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,733 · Scale 2, in force from 26 Feb 2026)