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$25,426
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,217
−HK$804/mo
Today · 4.125%
HK$27,021
baseline
▲ 0.50% · 4.625%
HK$28,665
+HK$1,644/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,042/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,286
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,045
−HK$770/mo
Today · 4.125%
HK$29,815
baseline
▲ 0.50% · 4.625%
HK$31,386
+HK$1,571/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,630/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,511
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,461
−HK$964/mo
Today · 4.125%
HK$32,425
baseline
▲ 0.50% · 4.625%
HK$34,398
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,850/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,944
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,854
−HK$924/mo
Today · 4.125%
HK$35,778
baseline
▲ 0.50% · 4.625%
HK$37,663
+HK$1,885/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,556/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,597
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,704
−HK$1,125/mo
Today · 4.125%
HK$37,829
baseline
▲ 0.50% · 4.625%
HK$40,131
+HK$2,302/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,658/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,601
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,663
−HK$1,077/mo
Today · 4.125%
HK$41,740
baseline
▲ 0.50% · 4.625%
HK$43,941
+HK$2,201/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,480/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,767
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,191
−HK$1,446/mo
Today · 4.125%
HK$48,637
baseline
▲ 0.50% · 4.625%
HK$51,597
+HK$2,960/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,274/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,916
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,281
−HK$1,385/mo
Today · 4.125%
HK$53,666
baseline
▲ 0.50% · 4.625%
HK$56,495
+HK$2,829/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,332/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,148 · Scale 2, in force from 26 Feb 2026)