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$25,442
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,233
−HK$804/mo
Today · 4.125%
HK$27,037
baseline
▲ 0.50% · 4.625%
HK$28,682
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,074/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,304
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,063
−HK$770/mo
Today · 4.125%
HK$29,833
baseline
▲ 0.50% · 4.625%
HK$31,405
+HK$1,572/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,666/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,530
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,480
−HK$965/mo
Today · 4.125%
HK$32,445
baseline
▲ 0.50% · 4.625%
HK$34,419
+HK$1,974/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,890/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,964
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,875
−HK$924/mo
Today · 4.125%
HK$35,799
baseline
▲ 0.50% · 4.625%
HK$37,687
+HK$1,888/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,598/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,619
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,726
−HK$1,126/mo
Today · 4.125%
HK$37,852
baseline
▲ 0.50% · 4.625%
HK$40,155
+HK$2,303/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,704/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,625
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,688
−HK$1,078/mo
Today · 4.125%
HK$41,766
baseline
▲ 0.50% · 4.625%
HK$43,968
+HK$2,202/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,532/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,795
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,220
−HK$1,447/mo
Today · 4.125%
HK$48,667
baseline
▲ 0.50% · 4.625%
HK$51,628
+HK$2,961/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,334/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,947
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,313
−HK$1,386/mo
Today · 4.125%
HK$53,699
baseline
▲ 0.50% · 4.625%
HK$56,530
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,398/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,404 · Scale 2, in force from 26 Feb 2026)