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$25,450
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,242
−HK$804/mo
Today · 4.125%
HK$27,046
baseline
▲ 0.50% · 4.625%
HK$28,692
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,092/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,313
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,072
−HK$770/mo
Today · 4.125%
HK$29,842
baseline
▲ 0.50% · 4.625%
HK$31,415
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,684/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,540
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,490
−HK$965/mo
Today · 4.125%
HK$32,455
baseline
▲ 0.50% · 4.625%
HK$34,430
+HK$1,975/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,910/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,975
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,887
−HK$924/mo
Today · 4.125%
HK$35,811
baseline
▲ 0.50% · 4.625%
HK$37,699
+HK$1,888/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,622/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,630
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,738
−HK$1,126/mo
Today · 4.125%
HK$37,864
baseline
▲ 0.50% · 4.625%
HK$40,168
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,728/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,638
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,701
−HK$1,078/mo
Today · 4.125%
HK$41,779
baseline
▲ 0.50% · 4.625%
HK$43,982
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,558/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,810
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,235
−HK$1,448/mo
Today · 4.125%
HK$48,683
baseline
▲ 0.50% · 4.625%
HK$51,645
+HK$2,962/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,366/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,963
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,330
−HK$1,386/mo
Today · 4.125%
HK$53,716
baseline
▲ 0.50% · 4.625%
HK$56,548
+HK$2,832/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,432/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,537 · Scale 2, in force from 26 Feb 2026)