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$25,460
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,252
−HK$805/mo
Today · 4.125%
HK$27,057
baseline
▲ 0.50% · 4.625%
HK$28,703
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,114/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,324
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,084
−HK$771/mo
Today · 4.125%
HK$29,855
baseline
▲ 0.50% · 4.625%
HK$31,428
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,710/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,552
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,503
−HK$965/mo
Today · 4.125%
HK$32,468
baseline
▲ 0.50% · 4.625%
HK$34,444
+HK$1,976/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,936/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,989
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,901
−HK$925/mo
Today · 4.125%
HK$35,826
baseline
▲ 0.50% · 4.625%
HK$37,714
+HK$1,888/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,652/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,645
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,753
−HK$1,127/mo
Today · 4.125%
HK$37,880
baseline
▲ 0.50% · 4.625%
HK$40,185
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,760/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,654
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,718
−HK$1,079/mo
Today · 4.125%
HK$41,797
baseline
▲ 0.50% · 4.625%
HK$44,000
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,594/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,829
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,254
−HK$1,449/mo
Today · 4.125%
HK$48,703
baseline
▲ 0.50% · 4.625%
HK$51,666
+HK$2,963/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,406/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,984
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,351
−HK$1,387/mo
Today · 4.125%
HK$53,738
baseline
▲ 0.50% · 4.625%
HK$56,571
+HK$2,833/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,476/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,710 · Scale 2, in force from 26 Feb 2026)