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$25,459
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,251
−HK$805/mo
Today · 4.125%
HK$27,056
baseline
▲ 0.50% · 4.625%
HK$28,702
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,112/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,323
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,083
−HK$771/mo
Today · 4.125%
HK$29,854
baseline
▲ 0.50% · 4.625%
HK$31,427
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,708/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,551
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,502
−HK$965/mo
Today · 4.125%
HK$32,467
baseline
▲ 0.50% · 4.625%
HK$34,443
+HK$1,976/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,934/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,988
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,900
−HK$924/mo
Today · 4.125%
HK$35,824
baseline
▲ 0.50% · 4.625%
HK$37,713
+HK$1,889/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,648/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,643
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,752
−HK$1,126/mo
Today · 4.125%
HK$37,878
baseline
▲ 0.50% · 4.625%
HK$40,183
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,756/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,653
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,716
−HK$1,079/mo
Today · 4.125%
HK$41,795
baseline
▲ 0.50% · 4.625%
HK$43,998
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,590/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,827
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,253
−HK$1,448/mo
Today · 4.125%
HK$48,701
baseline
▲ 0.50% · 4.625%
HK$51,664
+HK$2,963/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,402/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,982
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,349
−HK$1,388/mo
Today · 4.125%
HK$53,737
baseline
▲ 0.50% · 4.625%
HK$56,569
+HK$2,832/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,474/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,695 · Scale 2, in force from 26 Feb 2026)