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$25,427
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,218
−HK$804/mo
Today · 4.125%
HK$27,022
baseline
▲ 0.50% · 4.625%
HK$28,666
+HK$1,644/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,044/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,288
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,046
−HK$770/mo
Today · 4.125%
HK$29,816
baseline
▲ 0.50% · 4.625%
HK$31,387
+HK$1,571/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,632/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,513
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,462
−HK$964/mo
Today · 4.125%
HK$32,426
baseline
▲ 0.50% · 4.625%
HK$34,399
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,852/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,945
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,855
−HK$924/mo
Today · 4.125%
HK$35,779
baseline
▲ 0.50% · 4.625%
HK$37,665
+HK$1,886/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,558/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,598
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,705
−HK$1,125/mo
Today · 4.125%
HK$37,830
baseline
▲ 0.50% · 4.625%
HK$40,132
+HK$2,302/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,660/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,603
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,665
−HK$1,077/mo
Today · 4.125%
HK$41,742
baseline
▲ 0.50% · 4.625%
HK$43,942
+HK$2,200/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,484/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,769
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,193
−HK$1,446/mo
Today · 4.125%
HK$48,639
baseline
▲ 0.50% · 4.625%
HK$51,599
+HK$2,960/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,278/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,918
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,283
−HK$1,385/mo
Today · 4.125%
HK$53,668
baseline
▲ 0.50% · 4.625%
HK$56,497
+HK$2,829/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,336/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,164 · Scale 2, in force from 26 Feb 2026)