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$25,440
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,231
−HK$804/mo
Today · 4.125%
HK$27,035
baseline
▲ 0.50% · 4.625%
HK$28,680
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,070/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,302
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,061
−HK$770/mo
Today · 4.125%
HK$29,831
baseline
▲ 0.50% · 4.625%
HK$31,403
+HK$1,572/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,662/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,528
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,478
−HK$964/mo
Today · 4.125%
HK$32,442
baseline
▲ 0.50% · 4.625%
HK$34,416
+HK$1,974/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,884/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,962
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,873
−HK$924/mo
Today · 4.125%
HK$35,797
baseline
▲ 0.50% · 4.625%
HK$37,684
+HK$1,887/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,594/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,616
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,724
−HK$1,125/mo
Today · 4.125%
HK$37,849
baseline
▲ 0.50% · 4.625%
HK$40,152
+HK$2,303/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,698/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,622
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,685
−HK$1,078/mo
Today · 4.125%
HK$41,763
baseline
▲ 0.50% · 4.625%
HK$43,964
+HK$2,201/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,526/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,792
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,216
−HK$1,447/mo
Today · 4.125%
HK$48,663
baseline
▲ 0.50% · 4.625%
HK$51,624
+HK$2,961/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,326/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,943
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,309
−HK$1,386/mo
Today · 4.125%
HK$53,695
baseline
▲ 0.50% · 4.625%
HK$56,526
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,390/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,373 · Scale 2, in force from 26 Feb 2026)