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$25,448
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,239
−HK$805/mo
Today · 4.125%
HK$27,044
baseline
▲ 0.50% · 4.625%
HK$28,689
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,088/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,311
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,070
−HK$770/mo
Today · 4.125%
HK$29,840
baseline
▲ 0.50% · 4.625%
HK$31,413
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,680/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,537
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,487
−HK$965/mo
Today · 4.125%
HK$32,452
baseline
▲ 0.50% · 4.625%
HK$34,427
+HK$1,975/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,904/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,973
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,884
−HK$924/mo
Today · 4.125%
HK$35,808
baseline
▲ 0.50% · 4.625%
HK$37,696
+HK$1,888/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,616/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,627
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,735
−HK$1,126/mo
Today · 4.125%
HK$37,861
baseline
▲ 0.50% · 4.625%
HK$40,165
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,722/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,635
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,698
−HK$1,078/mo
Today · 4.125%
HK$41,776
baseline
▲ 0.50% · 4.625%
HK$43,978
+HK$2,202/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,552/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,806
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,231
−HK$1,448/mo
Today · 4.125%
HK$48,679
baseline
▲ 0.50% · 4.625%
HK$51,641
+HK$2,962/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,358/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,959
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,326
−HK$1,386/mo
Today · 4.125%
HK$53,712
baseline
▲ 0.50% · 4.625%
HK$56,543
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,424/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,504 · Scale 2, in force from 26 Feb 2026)