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$25,443
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,234
−HK$804/mo
Today · 4.125%
HK$27,038
baseline
▲ 0.50% · 4.625%
HK$28,683
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,076/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,305
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,064
−HK$770/mo
Today · 4.125%
HK$29,834
baseline
▲ 0.50% · 4.625%
HK$31,406
+HK$1,572/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,668/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,531
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,481
−HK$965/mo
Today · 4.125%
HK$32,446
baseline
▲ 0.50% · 4.625%
HK$34,420
+HK$1,974/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,892/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,966
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,877
−HK$924/mo
Today · 4.125%
HK$35,801
baseline
▲ 0.50% · 4.625%
HK$37,688
+HK$1,887/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,602/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,620
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,728
−HK$1,125/mo
Today · 4.125%
HK$37,853
baseline
▲ 0.50% · 4.625%
HK$40,157
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,706/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,627
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,689
−HK$1,078/mo
Today · 4.125%
HK$41,767
baseline
▲ 0.50% · 4.625%
HK$43,969
+HK$2,202/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,534/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,797
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,221
−HK$1,448/mo
Today · 4.125%
HK$48,669
baseline
▲ 0.50% · 4.625%
HK$51,630
+HK$2,961/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,338/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,948
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,315
−HK$1,386/mo
Today · 4.125%
HK$53,701
baseline
▲ 0.50% · 4.625%
HK$56,532
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,402/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,418 · Scale 2, in force from 26 Feb 2026)