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$25,442
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,234
−HK$804/mo
Today · 4.125%
HK$27,038
baseline
▲ 0.50% · 4.625%
HK$28,683
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,076/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,304
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,064
−HK$770/mo
Today · 4.125%
HK$29,834
baseline
▲ 0.50% · 4.625%
HK$31,406
+HK$1,572/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,668/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,531
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,481
−HK$964/mo
Today · 4.125%
HK$32,445
baseline
▲ 0.50% · 4.625%
HK$34,420
+HK$1,975/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,890/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,965
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,876
−HK$924/mo
Today · 4.125%
HK$35,800
baseline
▲ 0.50% · 4.625%
HK$37,687
+HK$1,887/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,600/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,619
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,727
−HK$1,126/mo
Today · 4.125%
HK$37,853
baseline
▲ 0.50% · 4.625%
HK$40,156
+HK$2,303/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,706/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,626
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,689
−HK$1,078/mo
Today · 4.125%
HK$41,767
baseline
▲ 0.50% · 4.625%
HK$43,969
+HK$2,202/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,534/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,796
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,221
−HK$1,447/mo
Today · 4.125%
HK$48,668
baseline
▲ 0.50% · 4.625%
HK$51,630
+HK$2,962/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,336/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,948
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,314
−HK$1,387/mo
Today · 4.125%
HK$53,701
baseline
▲ 0.50% · 4.625%
HK$56,531
+HK$2,830/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,402/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,415 · Scale 2, in force from 26 Feb 2026)