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$25,403
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,193
−HK$802/mo
Today · 4.125%
HK$26,995
baseline
▲ 0.50% · 4.625%
HK$28,638
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,990/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,260
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,018
−HK$769/mo
Today · 4.125%
HK$29,787
baseline
▲ 0.50% · 4.625%
HK$31,357
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,574/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,483
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,431
−HK$964/mo
Today · 4.125%
HK$32,395
baseline
▲ 0.50% · 4.625%
HK$34,366
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,790/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,912
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,822
−HK$922/mo
Today · 4.125%
HK$35,744
baseline
▲ 0.50% · 4.625%
HK$37,628
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,488/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,564
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,670
−HK$1,124/mo
Today · 4.125%
HK$37,794
baseline
▲ 0.50% · 4.625%
HK$40,093
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,588/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,564
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,625
−HK$1,077/mo
Today · 4.125%
HK$41,702
baseline
▲ 0.50% · 4.625%
HK$43,900
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,404/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,725
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,147
−HK$1,445/mo
Today · 4.125%
HK$48,592
baseline
▲ 0.50% · 4.625%
HK$51,549
+HK$2,957/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,184/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,868
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,232
−HK$1,384/mo
Today · 4.125%
HK$53,616
baseline
▲ 0.50% · 4.625%
HK$56,443
+HK$2,827/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,232/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,758 · Scale 2, in force from 26 Feb 2026)