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$25,449
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,241
−HK$804/mo
Today · 4.125%
HK$27,045
baseline
▲ 0.50% · 4.625%
HK$28,691
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,090/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,312
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,071
−HK$771/mo
Today · 4.125%
HK$29,842
baseline
▲ 0.50% · 4.625%
HK$31,415
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,684/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,539
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,489
−HK$965/mo
Today · 4.125%
HK$32,454
baseline
▲ 0.50% · 4.625%
HK$34,429
+HK$1,975/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,908/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,975
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,886
−HK$924/mo
Today · 4.125%
HK$35,810
baseline
▲ 0.50% · 4.625%
HK$37,698
+HK$1,888/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,620/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,629
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,737
−HK$1,126/mo
Today · 4.125%
HK$37,863
baseline
▲ 0.50% · 4.625%
HK$40,167
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,726/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,637
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,700
−HK$1,078/mo
Today · 4.125%
HK$41,778
baseline
▲ 0.50% · 4.625%
HK$43,981
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,556/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,809
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,234
−HK$1,447/mo
Today · 4.125%
HK$48,681
baseline
▲ 0.50% · 4.625%
HK$51,644
+HK$2,963/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,362/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,962
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,329
−HK$1,386/mo
Today · 4.125%
HK$53,715
baseline
▲ 0.50% · 4.625%
HK$56,547
+HK$2,832/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,430/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,528 · Scale 2, in force from 26 Feb 2026)