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$25,448
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,240
−HK$804/mo
Today · 4.125%
HK$27,044
baseline
▲ 0.50% · 4.625%
HK$28,690
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,088/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,311
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,070
−HK$771/mo
Today · 4.125%
HK$29,841
baseline
▲ 0.50% · 4.625%
HK$31,413
+HK$1,572/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,682/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,538
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,488
−HK$965/mo
Today · 4.125%
HK$32,453
baseline
▲ 0.50% · 4.625%
HK$34,428
+HK$1,975/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,906/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,973
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,884
−HK$925/mo
Today · 4.125%
HK$35,809
baseline
▲ 0.50% · 4.625%
HK$37,696
+HK$1,887/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,618/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,628
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,736
−HK$1,126/mo
Today · 4.125%
HK$37,862
baseline
▲ 0.50% · 4.625%
HK$40,166
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,724/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,635
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,698
−HK$1,079/mo
Today · 4.125%
HK$41,777
baseline
▲ 0.50% · 4.625%
HK$43,979
+HK$2,202/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,554/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,807
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,232
−HK$1,447/mo
Today · 4.125%
HK$48,679
baseline
▲ 0.50% · 4.625%
HK$51,641
+HK$2,962/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,358/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,960
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,326
−HK$1,387/mo
Today · 4.125%
HK$53,713
baseline
▲ 0.50% · 4.625%
HK$56,544
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,426/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,511 · Scale 2, in force from 26 Feb 2026)