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$25,455
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,246
−HK$805/mo
Today · 4.125%
HK$27,051
baseline
▲ 0.50% · 4.625%
HK$28,697
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,102/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,318
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,077
−HK$771/mo
Today · 4.125%
HK$29,848
baseline
▲ 0.50% · 4.625%
HK$31,421
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,696/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,545
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,496
−HK$965/mo
Today · 4.125%
HK$32,461
baseline
▲ 0.50% · 4.625%
HK$34,436
+HK$1,975/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,922/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,982
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,893
−HK$924/mo
Today · 4.125%
HK$35,817
baseline
▲ 0.50% · 4.625%
HK$37,705
+HK$1,888/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,634/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,636
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,745
−HK$1,126/mo
Today · 4.125%
HK$37,871
baseline
▲ 0.50% · 4.625%
HK$40,175
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,742/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,645
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,708
−HK$1,079/mo
Today · 4.125%
HK$41,787
baseline
▲ 0.50% · 4.625%
HK$43,990
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,574/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,818
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,243
−HK$1,448/mo
Today · 4.125%
HK$48,691
baseline
▲ 0.50% · 4.625%
HK$51,654
+HK$2,963/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,382/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,972
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,339
−HK$1,387/mo
Today · 4.125%
HK$53,726
baseline
▲ 0.50% · 4.625%
HK$56,558
+HK$2,832/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,452/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,614 · Scale 2, in force from 26 Feb 2026)