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$25,458
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,250
−HK$805/mo
Today · 4.125%
HK$27,055
baseline
▲ 0.50% · 4.625%
HK$28,701
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,110/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,322
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,082
−HK$770/mo
Today · 4.125%
HK$29,852
baseline
▲ 0.50% · 4.625%
HK$31,426
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,704/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,550
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,500
−HK$966/mo
Today · 4.125%
HK$32,466
baseline
▲ 0.50% · 4.625%
HK$34,441
+HK$1,975/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,932/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,987
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,898
−HK$925/mo
Today · 4.125%
HK$35,823
baseline
▲ 0.50% · 4.625%
HK$37,711
+HK$1,888/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,646/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,642
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,751
−HK$1,126/mo
Today · 4.125%
HK$37,877
baseline
▲ 0.50% · 4.625%
HK$40,182
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,754/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,651
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,715
−HK$1,078/mo
Today · 4.125%
HK$41,793
baseline
▲ 0.50% · 4.625%
HK$43,996
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,586/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,825
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,251
−HK$1,448/mo
Today · 4.125%
HK$48,699
baseline
▲ 0.50% · 4.625%
HK$51,662
+HK$2,963/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,398/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,980
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,347
−HK$1,387/mo
Today · 4.125%
HK$53,734
baseline
▲ 0.50% · 4.625%
HK$56,567
+HK$2,833/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,468/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,678 · Scale 2, in force from 26 Feb 2026)