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$25,420
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,210
−HK$804/mo
Today · 4.125%
HK$27,014
baseline
▲ 0.50% · 4.625%
HK$28,657
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,028/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,279
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,037
−HK$770/mo
Today · 4.125%
HK$29,807
baseline
▲ 0.50% · 4.625%
HK$31,378
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,614/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,503
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,452
−HK$964/mo
Today · 4.125%
HK$32,416
baseline
▲ 0.50% · 4.625%
HK$34,389
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,832/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,935
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,845
−HK$923/mo
Today · 4.125%
HK$35,768
baseline
▲ 0.50% · 4.625%
HK$37,654
+HK$1,886/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,536/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,587
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,694
−HK$1,125/mo
Today · 4.125%
HK$37,819
baseline
▲ 0.50% · 4.625%
HK$40,120
+HK$2,301/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,638/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,591
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,652
−HK$1,078/mo
Today · 4.125%
HK$41,730
baseline
▲ 0.50% · 4.625%
HK$43,929
+HK$2,199/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,460/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,755
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,178
−HK$1,446/mo
Today · 4.125%
HK$48,624
baseline
▲ 0.50% · 4.625%
HK$51,583
+HK$2,959/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,248/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,902
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,267
−HK$1,385/mo
Today · 4.125%
HK$53,652
baseline
▲ 0.50% · 4.625%
HK$56,480
+HK$2,828/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,304/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,038 · Scale 2, in force from 26 Feb 2026)