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$25,392
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,182
−HK$802/mo
Today · 4.125%
HK$26,984
baseline
▲ 0.50% · 4.625%
HK$28,626
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,968/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,248
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,006
−HK$768/mo
Today · 4.125%
HK$29,774
baseline
▲ 0.50% · 4.625%
HK$31,344
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,548/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,470
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,418
−HK$963/mo
Today · 4.125%
HK$32,381
baseline
▲ 0.50% · 4.625%
HK$34,351
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,762/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,898
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,807
−HK$922/mo
Today · 4.125%
HK$35,729
baseline
▲ 0.50% · 4.625%
HK$37,613
+HK$1,884/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,458/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,549
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,654
−HK$1,124/mo
Today · 4.125%
HK$37,778
baseline
▲ 0.50% · 4.625%
HK$40,076
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,556/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,547
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,608
−HK$1,076/mo
Today · 4.125%
HK$41,684
baseline
▲ 0.50% · 4.625%
HK$43,881
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,368/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,705
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,127
−HK$1,444/mo
Today · 4.125%
HK$48,571
baseline
▲ 0.50% · 4.625%
HK$51,527
+HK$2,956/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,142/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,847
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,210
−HK$1,384/mo
Today · 4.125%
HK$53,594
baseline
▲ 0.50% · 4.625%
HK$56,419
+HK$2,825/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,188/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,582 · Scale 2, in force from 26 Feb 2026)