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$25,429
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,220
−HK$804/mo
Today · 4.125%
HK$27,024
baseline
▲ 0.50% · 4.625%
HK$28,668
+HK$1,644/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,048/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,290
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,048
−HK$770/mo
Today · 4.125%
HK$29,818
baseline
▲ 0.50% · 4.625%
HK$31,390
+HK$1,572/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,636/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,515
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,464
−HK$965/mo
Today · 4.125%
HK$32,429
baseline
▲ 0.50% · 4.625%
HK$34,402
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,858/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,948
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,858
−HK$924/mo
Today · 4.125%
HK$35,782
baseline
▲ 0.50% · 4.625%
HK$37,668
+HK$1,886/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,564/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,601
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,708
−HK$1,125/mo
Today · 4.125%
HK$37,833
baseline
▲ 0.50% · 4.625%
HK$40,135
+HK$2,302/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,666/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,606
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,668
−HK$1,077/mo
Today · 4.125%
HK$41,745
baseline
▲ 0.50% · 4.625%
HK$43,946
+HK$2,201/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,490/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,773
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,196
−HK$1,447/mo
Today · 4.125%
HK$48,643
baseline
▲ 0.50% · 4.625%
HK$51,603
+HK$2,960/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,286/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,922
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,287
−HK$1,386/mo
Today · 4.125%
HK$53,673
baseline
▲ 0.50% · 4.625%
HK$56,502
+HK$2,829/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,346/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,197 · Scale 2, in force from 26 Feb 2026)