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$25,447
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,238
−HK$804/mo
Today · 4.125%
HK$27,042
baseline
▲ 0.50% · 4.625%
HK$28,688
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,084/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,309
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,068
−HK$770/mo
Today · 4.125%
HK$29,838
baseline
▲ 0.50% · 4.625%
HK$31,411
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,676/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,536
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,486
−HK$965/mo
Today · 4.125%
HK$32,451
baseline
▲ 0.50% · 4.625%
HK$34,425
+HK$1,974/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,902/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,971
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,882
−HK$924/mo
Today · 4.125%
HK$35,806
baseline
▲ 0.50% · 4.625%
HK$37,694
+HK$1,888/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,612/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,625
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,733
−HK$1,126/mo
Today · 4.125%
HK$37,859
baseline
▲ 0.50% · 4.625%
HK$40,163
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,718/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,633
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,696
−HK$1,078/mo
Today · 4.125%
HK$41,774
baseline
▲ 0.50% · 4.625%
HK$43,976
+HK$2,202/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,548/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,804
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,228
−HK$1,448/mo
Today · 4.125%
HK$48,676
baseline
▲ 0.50% · 4.625%
HK$51,638
+HK$2,962/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,352/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,956
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,323
−HK$1,386/mo
Today · 4.125%
HK$53,709
baseline
▲ 0.50% · 4.625%
HK$56,540
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,418/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,482 · Scale 2, in force from 26 Feb 2026)