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$25,466
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,259
−HK$804/mo
Today · 4.125%
HK$27,063
baseline
▲ 0.50% · 4.625%
HK$28,710
+HK$1,647/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,126/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,331
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,091
−HK$771/mo
Today · 4.125%
HK$29,862
baseline
▲ 0.50% · 4.625%
HK$31,436
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,724/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,560
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,510
−HK$966/mo
Today · 4.125%
HK$32,476
baseline
▲ 0.50% · 4.625%
HK$34,452
+HK$1,976/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,952/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,997
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,909
−HK$925/mo
Today · 4.125%
HK$35,834
baseline
▲ 0.50% · 4.625%
HK$37,723
+HK$1,889/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,668/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,653
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,762
−HK$1,127/mo
Today · 4.125%
HK$37,889
baseline
▲ 0.50% · 4.625%
HK$40,194
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,778/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,664
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,727
−HK$1,080/mo
Today · 4.125%
HK$41,807
baseline
▲ 0.50% · 4.625%
HK$44,010
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,614/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,840
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,265
−HK$1,449/mo
Today · 4.125%
HK$48,714
baseline
▲ 0.50% · 4.625%
HK$51,678
+HK$2,964/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,428/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,996
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,364
−HK$1,387/mo
Today · 4.125%
HK$53,751
baseline
▲ 0.50% · 4.625%
HK$56,585
+HK$2,834/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,502/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,809 · Scale 2, in force from 26 Feb 2026)