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$25,424
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,215
−HK$803/mo
Today · 4.125%
HK$27,018
baseline
▲ 0.50% · 4.625%
HK$28,662
+HK$1,644/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,036/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,284
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,042
−HK$770/mo
Today · 4.125%
HK$29,812
baseline
▲ 0.50% · 4.625%
HK$31,383
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,624/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,509
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,458
−HK$964/mo
Today · 4.125%
HK$32,422
baseline
▲ 0.50% · 4.625%
HK$34,395
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,844/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,941
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,851
−HK$923/mo
Today · 4.125%
HK$35,774
baseline
▲ 0.50% · 4.625%
HK$37,660
+HK$1,886/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,548/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,594
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,701
−HK$1,125/mo
Today · 4.125%
HK$37,826
baseline
▲ 0.50% · 4.625%
HK$40,127
+HK$2,301/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,652/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,597
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,659
−HK$1,078/mo
Today · 4.125%
HK$41,737
baseline
▲ 0.50% · 4.625%
HK$43,937
+HK$2,200/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,474/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,763
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,187
−HK$1,446/mo
Today · 4.125%
HK$48,633
baseline
▲ 0.50% · 4.625%
HK$51,592
+HK$2,959/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,266/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,911
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,276
−HK$1,386/mo
Today · 4.125%
HK$53,662
baseline
▲ 0.50% · 4.625%
HK$56,490
+HK$2,828/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,324/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,110 · Scale 2, in force from 26 Feb 2026)