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$25,453
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,245
−HK$804/mo
Today · 4.125%
HK$27,049
baseline
▲ 0.50% · 4.625%
HK$28,695
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,098/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,316
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,076
−HK$770/mo
Today · 4.125%
HK$29,846
baseline
▲ 0.50% · 4.625%
HK$31,419
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,692/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,543
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,494
−HK$965/mo
Today · 4.125%
HK$32,459
baseline
▲ 0.50% · 4.625%
HK$34,434
+HK$1,975/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,918/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,979
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,891
−HK$924/mo
Today · 4.125%
HK$35,815
baseline
▲ 0.50% · 4.625%
HK$37,703
+HK$1,888/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,630/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,634
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,742
−HK$1,127/mo
Today · 4.125%
HK$37,869
baseline
▲ 0.50% · 4.625%
HK$40,173
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,738/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,643
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,706
−HK$1,078/mo
Today · 4.125%
HK$41,784
baseline
▲ 0.50% · 4.625%
HK$43,987
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,568/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,815
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,240
−HK$1,448/mo
Today · 4.125%
HK$48,688
baseline
▲ 0.50% · 4.625%
HK$51,651
+HK$2,963/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,376/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,969
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,336
−HK$1,387/mo
Today · 4.125%
HK$53,723
baseline
▲ 0.50% · 4.625%
HK$56,554
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,446/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,586 · Scale 2, in force from 26 Feb 2026)