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$25,462
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,255
−HK$804/mo
Today · 4.125%
HK$27,059
baseline
▲ 0.50% · 4.625%
HK$28,706
+HK$1,647/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,118/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,327
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,086
−HK$771/mo
Today · 4.125%
HK$29,857
baseline
▲ 0.50% · 4.625%
HK$31,431
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,714/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,555
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,505
−HK$966/mo
Today · 4.125%
HK$32,471
baseline
▲ 0.50% · 4.625%
HK$34,447
+HK$1,976/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,942/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,992
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,904
−HK$925/mo
Today · 4.125%
HK$35,829
baseline
▲ 0.50% · 4.625%
HK$37,717
+HK$1,888/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,658/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,647
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,756
−HK$1,127/mo
Today · 4.125%
HK$37,883
baseline
▲ 0.50% · 4.625%
HK$40,188
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,766/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,657
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,721
−HK$1,079/mo
Today · 4.125%
HK$41,800
baseline
▲ 0.50% · 4.625%
HK$44,003
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,600/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,832
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,258
−HK$1,449/mo
Today · 4.125%
HK$48,707
baseline
▲ 0.50% · 4.625%
HK$51,670
+HK$2,963/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,414/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,988
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,356
−HK$1,387/mo
Today · 4.125%
HK$53,743
baseline
▲ 0.50% · 4.625%
HK$56,576
+HK$2,833/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,486/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,744 · Scale 2, in force from 26 Feb 2026)