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$25,431
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,222
−HK$804/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,670
+HK$1,644/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,052/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,292
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,050
−HK$770/mo
Today · 4.125%
HK$29,820
baseline
▲ 0.50% · 4.625%
HK$31,392
+HK$1,572/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,640/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,517
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,466
−HK$965/mo
Today · 4.125%
HK$32,431
baseline
▲ 0.50% · 4.625%
HK$34,404
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,862/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,950
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,861
−HK$923/mo
Today · 4.125%
HK$35,784
baseline
▲ 0.50% · 4.625%
HK$37,670
+HK$1,886/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,568/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,603
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,711
−HK$1,125/mo
Today · 4.125%
HK$37,836
baseline
▲ 0.50% · 4.625%
HK$40,138
+HK$2,302/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,672/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,608
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,671
−HK$1,077/mo
Today · 4.125%
HK$41,748
baseline
▲ 0.50% · 4.625%
HK$43,949
+HK$2,201/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,496/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,776
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,200
−HK$1,446/mo
Today · 4.125%
HK$48,646
baseline
▲ 0.50% · 4.625%
HK$51,606
+HK$2,960/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,292/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,925
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,291
−HK$1,385/mo
Today · 4.125%
HK$53,676
baseline
▲ 0.50% · 4.625%
HK$56,506
+HK$2,830/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,352/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,225 · Scale 2, in force from 26 Feb 2026)