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$25,451
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,243
−HK$804/mo
Today · 4.125%
HK$27,047
baseline
▲ 0.50% · 4.625%
HK$28,693
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,094/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,314
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,074
−HK$770/mo
Today · 4.125%
HK$29,844
baseline
▲ 0.50% · 4.625%
HK$31,417
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,688/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,541
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,491
−HK$966/mo
Today · 4.125%
HK$32,457
baseline
▲ 0.50% · 4.625%
HK$34,432
+HK$1,975/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,914/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,977
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,888
−HK$925/mo
Today · 4.125%
HK$35,813
baseline
▲ 0.50% · 4.625%
HK$37,700
+HK$1,887/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,626/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,632
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,740
−HK$1,126/mo
Today · 4.125%
HK$37,866
baseline
▲ 0.50% · 4.625%
HK$40,170
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,732/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,640
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,703
−HK$1,078/mo
Today · 4.125%
HK$41,781
baseline
▲ 0.50% · 4.625%
HK$43,984
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,562/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,812
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,237
−HK$1,448/mo
Today · 4.125%
HK$48,685
baseline
▲ 0.50% · 4.625%
HK$51,647
+HK$2,962/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,370/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,966
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,332
−HK$1,387/mo
Today · 4.125%
HK$53,719
baseline
▲ 0.50% · 4.625%
HK$56,551
+HK$2,832/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,438/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,558 · Scale 2, in force from 26 Feb 2026)