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$26,242
−HK$805/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$418,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,314
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,073
−HK$770/mo
Today · 4.125%
HK$29,843
baseline
▲ 0.50% · 4.625%
HK$31,417
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,686/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,541
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,491
−HK$965/mo
Today · 4.125%
HK$32,456
baseline
▲ 0.50% · 4.625%
HK$34,431
+HK$1,975/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,912/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,977
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,888
−HK$924/mo
Today · 4.125%
HK$35,812
baseline
▲ 0.50% · 4.625%
HK$37,700
+HK$1,888/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,624/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,631
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,739
−HK$1,127/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$418,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,639
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,702
−HK$1,079/mo
Today · 4.125%
HK$41,781
baseline
▲ 0.50% · 4.625%
HK$43,983
+HK$2,202/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$418,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,811
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,236
−HK$1,448/mo
Today · 4.125%
HK$48,684
baseline
▲ 0.50% · 4.625%
HK$51,647
+HK$2,963/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,368/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,965
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,332
−HK$1,386/mo
Today · 4.125%
HK$53,718
baseline
▲ 0.50% · 4.625%
HK$56,550
+HK$2,832/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,436/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,552 · Scale 2, in force from 26 Feb 2026)