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$25,465
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,257
−HK$805/mo
Today · 4.125%
HK$27,062
baseline
▲ 0.50% · 4.625%
HK$28,709
+HK$1,647/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,124/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,330
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,089
−HK$771/mo
Today · 4.125%
HK$29,860
baseline
▲ 0.50% · 4.625%
HK$31,434
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,720/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,558
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,509
−HK$965/mo
Today · 4.125%
HK$32,474
baseline
▲ 0.50% · 4.625%
HK$34,450
+HK$1,976/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,948/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,996
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,907
−HK$925/mo
Today · 4.125%
HK$35,832
baseline
▲ 0.50% · 4.625%
HK$37,721
+HK$1,889/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,664/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,651
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,760
−HK$1,127/mo
Today · 4.125%
HK$37,887
baseline
▲ 0.50% · 4.625%
HK$40,192
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,774/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,662
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,725
−HK$1,079/mo
Today · 4.125%
HK$41,804
baseline
▲ 0.50% · 4.625%
HK$44,008
+HK$2,204/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,608/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,837
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,263
−HK$1,449/mo
Today · 4.125%
HK$48,712
baseline
▲ 0.50% · 4.625%
HK$51,676
+HK$2,964/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,424/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,993
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,361
−HK$1,387/mo
Today · 4.125%
HK$53,748
baseline
▲ 0.50% · 4.625%
HK$56,582
+HK$2,834/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,496/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,787 · Scale 2, in force from 26 Feb 2026)