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$25,470
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,262
−HK$805/mo
Today · 4.125%
HK$27,067
baseline
▲ 0.50% · 4.625%
HK$28,714
+HK$1,647/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,134/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,335
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,095
−HK$771/mo
Today · 4.125%
HK$29,866
baseline
▲ 0.50% · 4.625%
HK$31,440
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,732/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,564
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,514
−HK$966/mo
Today · 4.125%
HK$32,480
baseline
▲ 0.50% · 4.625%
HK$34,457
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,960/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,002
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,914
−HK$925/mo
Today · 4.125%
HK$35,839
baseline
▲ 0.50% · 4.625%
HK$37,728
+HK$1,889/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,678/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,658
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,767
−HK$1,127/mo
Today · 4.125%
HK$37,894
baseline
▲ 0.50% · 4.625%
HK$40,199
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,788/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,669
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,733
−HK$1,079/mo
Today · 4.125%
HK$41,812
baseline
▲ 0.50% · 4.625%
HK$44,016
+HK$2,204/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,624/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,845
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,271
−HK$1,449/mo
Today · 4.125%
HK$48,720
baseline
▲ 0.50% · 4.625%
HK$51,685
+HK$2,965/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,440/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,003
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,370
−HK$1,388/mo
Today · 4.125%
HK$53,758
baseline
▲ 0.50% · 4.625%
HK$56,592
+HK$2,834/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,516/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,863 · Scale 2, in force from 26 Feb 2026)