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$1,596/mo
▼ 0.25% · 3.875%
HK$26,235
−HK$804/mo
Today · 4.125%
HK$27,039
baseline
▲ 0.50% · 4.625%
HK$28,684
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,078/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,305
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,065
−HK$770/mo
Today · 4.125%
HK$29,835
baseline
▲ 0.50% · 4.625%
HK$31,407
+HK$1,572/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,670/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,532
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,482
−HK$965/mo
Today · 4.125%
HK$32,447
baseline
▲ 0.50% · 4.625%
HK$34,421
+HK$1,974/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,894/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,967
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,878
−HK$924/mo
Today · 4.125%
HK$35,802
baseline
▲ 0.50% · 4.625%
HK$37,689
+HK$1,887/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,604/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,621
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,729
−HK$1,125/mo
Today · 4.125%
HK$37,854
baseline
▲ 0.50% · 4.625%
HK$40,158
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,708/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,628
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,690
−HK$1,079/mo
Today · 4.125%
HK$41,769
baseline
▲ 0.50% · 4.625%
HK$43,970
+HK$2,201/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,538/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,798
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,223
−HK$1,447/mo
Today · 4.125%
HK$48,670
baseline
▲ 0.50% · 4.625%
HK$51,631
+HK$2,961/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,340/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,950
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,316
−HK$1,387/mo
Today · 4.125%
HK$53,703
baseline
▲ 0.50% · 4.625%
HK$56,533
+HK$2,830/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,406/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,430 · Scale 2, in force from 26 Feb 2026)