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$25,446
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,237
−HK$805/mo
Today · 4.125%
HK$27,042
baseline
▲ 0.50% · 4.625%
HK$28,687
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,084/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,308
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,068
−HK$770/mo
Today · 4.125%
HK$29,838
baseline
▲ 0.50% · 4.625%
HK$31,411
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,676/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,535
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,485
−HK$965/mo
Today · 4.125%
HK$32,450
baseline
▲ 0.50% · 4.625%
HK$34,424
+HK$1,974/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,900/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,970
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,881
−HK$924/mo
Today · 4.125%
HK$35,805
baseline
▲ 0.50% · 4.625%
HK$37,693
+HK$1,888/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,610/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,624
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,732
−HK$1,126/mo
Today · 4.125%
HK$37,858
baseline
▲ 0.50% · 4.625%
HK$40,162
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,716/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,632
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,695
−HK$1,078/mo
Today · 4.125%
HK$41,773
baseline
▲ 0.50% · 4.625%
HK$43,975
+HK$2,202/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,546/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,803
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,227
−HK$1,448/mo
Today · 4.125%
HK$48,675
baseline
▲ 0.50% · 4.625%
HK$51,637
+HK$2,962/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,350/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,955
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,322
−HK$1,386/mo
Today · 4.125%
HK$53,708
baseline
▲ 0.50% · 4.625%
HK$56,539
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,416/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,473 · Scale 2, in force from 26 Feb 2026)