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$25,452
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,244
−HK$805/mo
Today · 4.125%
HK$27,049
baseline
▲ 0.50% · 4.625%
HK$28,694
+HK$1,645/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$418,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,316
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,075
−HK$770/mo
Today · 4.125%
HK$29,845
baseline
▲ 0.50% · 4.625%
HK$31,419
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,690/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,543
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,493
−HK$965/mo
Today · 4.125%
HK$32,458
baseline
▲ 0.50% · 4.625%
HK$34,433
+HK$1,975/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,916/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,979
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,890
−HK$924/mo
Today · 4.125%
HK$35,814
baseline
▲ 0.50% · 4.625%
HK$37,702
+HK$1,888/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,628/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,633
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,742
−HK$1,126/mo
Today · 4.125%
HK$37,868
baseline
▲ 0.50% · 4.625%
HK$40,172
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,736/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,642
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,705
−HK$1,078/mo
Today · 4.125%
HK$41,783
baseline
▲ 0.50% · 4.625%
HK$43,986
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,566/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,814
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,239
−HK$1,448/mo
Today · 4.125%
HK$48,687
baseline
▲ 0.50% · 4.625%
HK$51,650
+HK$2,963/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,374/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,968
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,335
−HK$1,387/mo
Today · 4.125%
HK$53,722
baseline
▲ 0.50% · 4.625%
HK$56,553
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,444/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,579 · Scale 2, in force from 26 Feb 2026)