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$25,401
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,192
−HK$802/mo
Today · 4.125%
HK$26,994
baseline
▲ 0.50% · 4.625%
HK$28,637
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,988/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,259
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,017
−HK$769/mo
Today · 4.125%
HK$29,786
baseline
▲ 0.50% · 4.625%
HK$31,356
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,572/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,482
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,430
−HK$963/mo
Today · 4.125%
HK$32,393
baseline
▲ 0.50% · 4.625%
HK$34,364
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,786/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,911
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,820
−HK$923/mo
Today · 4.125%
HK$35,743
baseline
▲ 0.50% · 4.625%
HK$37,627
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,486/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,562
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,668
−HK$1,124/mo
Today · 4.125%
HK$37,792
baseline
▲ 0.50% · 4.625%
HK$40,092
+HK$2,300/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,584/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,562
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,623
−HK$1,077/mo
Today · 4.125%
HK$41,700
baseline
▲ 0.50% · 4.625%
HK$43,898
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,400/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,723
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,145
−HK$1,445/mo
Today · 4.125%
HK$48,590
baseline
▲ 0.50% · 4.625%
HK$51,546
+HK$2,956/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,180/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,866
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,230
−HK$1,384/mo
Today · 4.125%
HK$53,614
baseline
▲ 0.50% · 4.625%
HK$56,440
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,228/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,740 · Scale 2, in force from 26 Feb 2026)