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$25,444
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,236
−HK$804/mo
Today · 4.125%
HK$27,040
baseline
▲ 0.50% · 4.625%
HK$28,685
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,080/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,307
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,066
−HK$770/mo
Today · 4.125%
HK$29,836
baseline
▲ 0.50% · 4.625%
HK$31,409
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,672/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,533
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,483
−HK$965/mo
Today · 4.125%
HK$32,448
baseline
▲ 0.50% · 4.625%
HK$34,423
+HK$1,975/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,896/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,968
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,879
−HK$924/mo
Today · 4.125%
HK$35,803
baseline
▲ 0.50% · 4.625%
HK$37,691
+HK$1,888/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,606/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,622
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,730
−HK$1,126/mo
Today · 4.125%
HK$37,856
baseline
▲ 0.50% · 4.625%
HK$40,160
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,712/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,629
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,692
−HK$1,079/mo
Today · 4.125%
HK$41,771
baseline
▲ 0.50% · 4.625%
HK$43,972
+HK$2,201/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,542/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,800
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,225
−HK$1,447/mo
Today · 4.125%
HK$48,672
baseline
▲ 0.50% · 4.625%
HK$51,634
+HK$2,962/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,344/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,952
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,319
−HK$1,386/mo
Today · 4.125%
HK$53,705
baseline
▲ 0.50% · 4.625%
HK$56,536
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,410/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,448 · Scale 2, in force from 26 Feb 2026)