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$25,455
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,247
−HK$804/mo
Today · 4.125%
HK$27,051
baseline
▲ 0.50% · 4.625%
HK$28,697
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,102/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,319
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,078
−HK$771/mo
Today · 4.125%
HK$29,849
baseline
▲ 0.50% · 4.625%
HK$31,422
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,698/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,546
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,496
−HK$966/mo
Today · 4.125%
HK$32,462
baseline
▲ 0.50% · 4.625%
HK$34,437
+HK$1,975/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,924/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,982
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,894
−HK$924/mo
Today · 4.125%
HK$35,818
baseline
▲ 0.50% · 4.625%
HK$37,706
+HK$1,888/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,636/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,637
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,746
−HK$1,126/mo
Today · 4.125%
HK$37,872
baseline
▲ 0.50% · 4.625%
HK$40,176
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,744/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,646
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,709
−HK$1,079/mo
Today · 4.125%
HK$41,788
baseline
▲ 0.50% · 4.625%
HK$43,991
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,576/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,819
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,244
−HK$1,449/mo
Today · 4.125%
HK$48,693
baseline
▲ 0.50% · 4.625%
HK$51,655
+HK$2,962/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,386/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,973
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,341
−HK$1,386/mo
Today · 4.125%
HK$53,727
baseline
▲ 0.50% · 4.625%
HK$56,559
+HK$2,832/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,454/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,623 · Scale 2, in force from 26 Feb 2026)