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$25,422
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,213
−HK$803/mo
Today · 4.125%
HK$27,016
baseline
▲ 0.50% · 4.625%
HK$28,660
+HK$1,644/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,032/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,281
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,040
−HK$769/mo
Today · 4.125%
HK$29,809
baseline
▲ 0.50% · 4.625%
HK$31,381
+HK$1,572/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,618/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,506
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,455
−HK$964/mo
Today · 4.125%
HK$32,419
baseline
▲ 0.50% · 4.625%
HK$34,392
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,838/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,938
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,848
−HK$923/mo
Today · 4.125%
HK$35,771
baseline
▲ 0.50% · 4.625%
HK$37,657
+HK$1,886/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,542/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,591
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,698
−HK$1,124/mo
Today · 4.125%
HK$37,822
baseline
▲ 0.50% · 4.625%
HK$40,124
+HK$2,302/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,644/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,594
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,656
−HK$1,077/mo
Today · 4.125%
HK$41,733
baseline
▲ 0.50% · 4.625%
HK$43,933
+HK$2,200/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,466/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,759
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,183
−HK$1,446/mo
Today · 4.125%
HK$48,629
baseline
▲ 0.50% · 4.625%
HK$51,588
+HK$2,959/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,258/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,907
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,272
−HK$1,385/mo
Today · 4.125%
HK$53,657
baseline
▲ 0.50% · 4.625%
HK$56,485
+HK$2,828/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,314/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,075 · Scale 2, in force from 26 Feb 2026)