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$25,446
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,237
−HK$804/mo
Today · 4.125%
HK$27,041
baseline
▲ 0.50% · 4.625%
HK$28,687
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,082/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,308
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,067
−HK$770/mo
Today · 4.125%
HK$29,837
baseline
▲ 0.50% · 4.625%
HK$31,410
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,674/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,535
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,484
−HK$965/mo
Today · 4.125%
HK$32,449
baseline
▲ 0.50% · 4.625%
HK$34,424
+HK$1,975/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,898/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,970
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,881
−HK$924/mo
Today · 4.125%
HK$35,805
baseline
▲ 0.50% · 4.625%
HK$37,692
+HK$1,887/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,610/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,624
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,732
−HK$1,126/mo
Today · 4.125%
HK$37,858
baseline
▲ 0.50% · 4.625%
HK$40,161
+HK$2,303/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,716/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,631
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,694
−HK$1,078/mo
Today · 4.125%
HK$41,772
baseline
▲ 0.50% · 4.625%
HK$43,974
+HK$2,202/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,544/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,802
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,227
−HK$1,447/mo
Today · 4.125%
HK$48,674
baseline
▲ 0.50% · 4.625%
HK$51,636
+HK$2,962/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,348/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,954
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,321
−HK$1,386/mo
Today · 4.125%
HK$53,707
baseline
▲ 0.50% · 4.625%
HK$56,538
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,414/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,466 · Scale 2, in force from 26 Feb 2026)