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$25,388
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,177
−HK$803/mo
Today · 4.125%
HK$26,980
baseline
▲ 0.50% · 4.625%
HK$28,621
+HK$1,641/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,960/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,243
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,001
−HK$768/mo
Today · 4.125%
HK$29,769
baseline
▲ 0.50% · 4.625%
HK$31,338
+HK$1,569/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,538/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,465
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,413
−HK$962/mo
Today · 4.125%
HK$32,375
baseline
▲ 0.50% · 4.625%
HK$34,345
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,750/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,892
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,801
−HK$922/mo
Today · 4.125%
HK$35,723
baseline
▲ 0.50% · 4.625%
HK$37,606
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,446/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,543
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,648
−HK$1,123/mo
Today · 4.125%
HK$37,771
baseline
▲ 0.50% · 4.625%
HK$40,070
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,542/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,541
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,601
−HK$1,076/mo
Today · 4.125%
HK$41,677
baseline
▲ 0.50% · 4.625%
HK$43,874
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,354/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,698
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,119
−HK$1,444/mo
Today · 4.125%
HK$48,563
baseline
▲ 0.50% · 4.625%
HK$51,518
+HK$2,955/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,126/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,838
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,202
−HK$1,383/mo
Today · 4.125%
HK$53,585
baseline
▲ 0.50% · 4.625%
HK$56,409
+HK$2,824/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,170/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,511 · Scale 2, in force from 26 Feb 2026)