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$25,456
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,248
−HK$805/mo
Today · 4.125%
HK$27,053
baseline
▲ 0.50% · 4.625%
HK$28,699
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,106/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,320
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,080
−HK$770/mo
Today · 4.125%
HK$29,850
baseline
▲ 0.50% · 4.625%
HK$31,424
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,700/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,548
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,498
−HK$965/mo
Today · 4.125%
HK$32,463
baseline
▲ 0.50% · 4.625%
HK$34,439
+HK$1,976/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,926/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,984
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,895
−HK$925/mo
Today · 4.125%
HK$35,820
baseline
▲ 0.50% · 4.625%
HK$37,708
+HK$1,888/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,640/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,639
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,748
−HK$1,126/mo
Today · 4.125%
HK$37,874
baseline
▲ 0.50% · 4.625%
HK$40,178
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,748/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,648
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,711
−HK$1,079/mo
Today · 4.125%
HK$41,790
baseline
▲ 0.50% · 4.625%
HK$43,993
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,580/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,822
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,247
−HK$1,448/mo
Today · 4.125%
HK$48,695
baseline
▲ 0.50% · 4.625%
HK$51,658
+HK$2,963/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,390/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,976
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,343
−HK$1,387/mo
Today · 4.125%
HK$53,730
baseline
▲ 0.50% · 4.625%
HK$56,562
+HK$2,832/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,460/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,645 · Scale 2, in force from 26 Feb 2026)