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$25,432
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,223
−HK$804/mo
Today · 4.125%
HK$27,027
baseline
▲ 0.50% · 4.625%
HK$28,671
+HK$1,644/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,054/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,293
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,052
−HK$770/mo
Today · 4.125%
HK$29,822
baseline
▲ 0.50% · 4.625%
HK$31,394
+HK$1,572/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,644/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,519
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,468
−HK$964/mo
Today · 4.125%
HK$32,432
baseline
▲ 0.50% · 4.625%
HK$34,406
+HK$1,974/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,864/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,952
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,862
−HK$924/mo
Today · 4.125%
HK$35,786
baseline
▲ 0.50% · 4.625%
HK$37,672
+HK$1,886/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,572/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,605
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,712
−HK$1,126/mo
Today · 4.125%
HK$37,838
baseline
▲ 0.50% · 4.625%
HK$40,140
+HK$2,302/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,676/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,610
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,673
−HK$1,077/mo
Today · 4.125%
HK$41,750
baseline
▲ 0.50% · 4.625%
HK$43,951
+HK$2,201/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,500/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,778
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,202
−HK$1,446/mo
Today · 4.125%
HK$48,648
baseline
▲ 0.50% · 4.625%
HK$51,609
+HK$2,961/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,296/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,927
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,293
−HK$1,386/mo
Today · 4.125%
HK$53,679
baseline
▲ 0.50% · 4.625%
HK$56,508
+HK$2,829/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,358/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,245 · Scale 2, in force from 26 Feb 2026)