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$25,464
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,257
−HK$804/mo
Today · 4.125%
HK$27,061
baseline
▲ 0.50% · 4.625%
HK$28,708
+HK$1,647/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,122/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,329
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,089
−HK$770/mo
Today · 4.125%
HK$29,859
baseline
▲ 0.50% · 4.625%
HK$31,433
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,718/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,557
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,508
−HK$966/mo
Today · 4.125%
HK$32,474
baseline
▲ 0.50% · 4.625%
HK$34,449
+HK$1,975/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,948/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,995
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,906
−HK$925/mo
Today · 4.125%
HK$35,831
baseline
▲ 0.50% · 4.625%
HK$37,720
+HK$1,889/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,662/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,650
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,759
−HK$1,127/mo
Today · 4.125%
HK$37,886
baseline
▲ 0.50% · 4.625%
HK$40,191
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,772/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,661
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,724
−HK$1,079/mo
Today · 4.125%
HK$41,803
baseline
▲ 0.50% · 4.625%
HK$44,007
+HK$2,204/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,606/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,836
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,262
−HK$1,448/mo
Today · 4.125%
HK$48,710
baseline
▲ 0.50% · 4.625%
HK$51,674
+HK$2,964/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,420/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,992
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,360
−HK$1,387/mo
Today · 4.125%
HK$53,747
baseline
▲ 0.50% · 4.625%
HK$56,580
+HK$2,833/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,494/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,776 · Scale 2, in force from 26 Feb 2026)