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$25,437
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,228
−HK$804/mo
Today · 4.125%
HK$27,032
baseline
▲ 0.50% · 4.625%
HK$28,677
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,064/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,298
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,057
−HK$770/mo
Today · 4.125%
HK$29,827
baseline
▲ 0.50% · 4.625%
HK$31,400
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,654/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,524
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,474
−HK$965/mo
Today · 4.125%
HK$32,439
baseline
▲ 0.50% · 4.625%
HK$34,412
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,878/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,958
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,869
−HK$924/mo
Today · 4.125%
HK$35,793
baseline
▲ 0.50% · 4.625%
HK$37,679
+HK$1,886/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,586/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,612
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,720
−HK$1,125/mo
Today · 4.125%
HK$37,845
baseline
▲ 0.50% · 4.625%
HK$40,148
+HK$2,303/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,690/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,618
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,680
−HK$1,078/mo
Today · 4.125%
HK$41,758
baseline
▲ 0.50% · 4.625%
HK$43,959
+HK$2,201/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,516/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,787
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,211
−HK$1,447/mo
Today · 4.125%
HK$48,658
baseline
▲ 0.50% · 4.625%
HK$51,619
+HK$2,961/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,316/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,937
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,303
−HK$1,386/mo
Today · 4.125%
HK$53,689
baseline
▲ 0.50% · 4.625%
HK$56,519
+HK$2,830/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,378/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,326 · Scale 2, in force from 26 Feb 2026)