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$25,469
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,261
−HK$805/mo
Today · 4.125%
HK$27,066
baseline
▲ 0.50% · 4.625%
HK$28,713
+HK$1,647/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,132/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,334
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,094
−HK$771/mo
Today · 4.125%
HK$29,865
baseline
▲ 0.50% · 4.625%
HK$31,439
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,730/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,563
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,513
−HK$966/mo
Today · 4.125%
HK$32,479
baseline
▲ 0.50% · 4.625%
HK$34,456
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,958/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,001
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,913
−HK$925/mo
Today · 4.125%
HK$35,838
baseline
▲ 0.50% · 4.625%
HK$37,727
+HK$1,889/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,676/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,656
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,766
−HK$1,126/mo
Today · 4.125%
HK$37,892
baseline
▲ 0.50% · 4.625%
HK$40,198
+HK$2,306/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,784/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,667
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,731
−HK$1,080/mo
Today · 4.125%
HK$41,811
baseline
▲ 0.50% · 4.625%
HK$44,014
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,622/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,844
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,270
−HK$1,449/mo
Today · 4.125%
HK$48,719
baseline
▲ 0.50% · 4.625%
HK$51,683
+HK$2,964/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,438/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,001
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,369
−HK$1,387/mo
Today · 4.125%
HK$53,756
baseline
▲ 0.50% · 4.625%
HK$56,590
+HK$2,834/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,512/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,850 · Scale 2, in force from 26 Feb 2026)