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$25,428
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,219
−HK$803/mo
Today · 4.125%
HK$27,022
baseline
▲ 0.50% · 4.625%
HK$28,667
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,044/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,288
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,047
−HK$770/mo
Today · 4.125%
HK$29,817
baseline
▲ 0.50% · 4.625%
HK$31,388
+HK$1,571/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,634/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,513
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,463
−HK$964/mo
Today · 4.125%
HK$32,427
baseline
▲ 0.50% · 4.625%
HK$34,400
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,854/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,946
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,856
−HK$924/mo
Today · 4.125%
HK$35,780
baseline
▲ 0.50% · 4.625%
HK$37,666
+HK$1,886/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,560/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,599
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,706
−HK$1,125/mo
Today · 4.125%
HK$37,831
baseline
▲ 0.50% · 4.625%
HK$40,133
+HK$2,302/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,662/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,604
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,666
−HK$1,077/mo
Today · 4.125%
HK$41,743
baseline
▲ 0.50% · 4.625%
HK$43,944
+HK$2,201/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,486/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,770
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,194
−HK$1,446/mo
Today · 4.125%
HK$48,640
baseline
▲ 0.50% · 4.625%
HK$51,600
+HK$2,960/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,280/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,919
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,285
−HK$1,385/mo
Today · 4.125%
HK$53,670
baseline
▲ 0.50% · 4.625%
HK$56,499
+HK$2,829/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,340/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,175 · Scale 2, in force from 26 Feb 2026)