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$25,457
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,249
−HK$805/mo
Today · 4.125%
HK$27,054
baseline
▲ 0.50% · 4.625%
HK$28,700
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,108/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,321
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,081
−HK$770/mo
Today · 4.125%
HK$29,851
baseline
▲ 0.50% · 4.625%
HK$31,425
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,702/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,549
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,499
−HK$966/mo
Today · 4.125%
HK$32,465
baseline
▲ 0.50% · 4.625%
HK$34,440
+HK$1,975/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,930/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,985
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,897
−HK$924/mo
Today · 4.125%
HK$35,821
baseline
▲ 0.50% · 4.625%
HK$37,710
+HK$1,889/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,642/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,640
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,749
−HK$1,126/mo
Today · 4.125%
HK$37,875
baseline
▲ 0.50% · 4.625%
HK$40,180
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,750/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,649
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,713
−HK$1,079/mo
Today · 4.125%
HK$41,792
baseline
▲ 0.50% · 4.625%
HK$43,995
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,584/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,823
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,249
−HK$1,448/mo
Today · 4.125%
HK$48,697
baseline
▲ 0.50% · 4.625%
HK$51,660
+HK$2,963/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,394/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,978
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,345
−HK$1,387/mo
Today · 4.125%
HK$53,732
baseline
▲ 0.50% · 4.625%
HK$56,564
+HK$2,832/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,464/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,660 · Scale 2, in force from 26 Feb 2026)