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$1,592/mo
▼ 0.25% · 3.875%
HK$26,191
−HK$802/mo
Today · 4.125%
HK$26,993
baseline
▲ 0.50% · 4.625%
HK$28,636
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,986/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,258
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,016
−HK$768/mo
Today · 4.125%
HK$29,784
baseline
▲ 0.50% · 4.625%
HK$31,354
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,568/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,481
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,429
−HK$963/mo
Today · 4.125%
HK$32,392
baseline
▲ 0.50% · 4.625%
HK$34,363
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,784/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,909
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,819
−HK$922/mo
Today · 4.125%
HK$35,741
baseline
▲ 0.50% · 4.625%
HK$37,625
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,482/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,561
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,667
−HK$1,124/mo
Today · 4.125%
HK$37,791
baseline
▲ 0.50% · 4.625%
HK$40,090
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,582/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,561
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,622
−HK$1,076/mo
Today · 4.125%
HK$41,698
baseline
▲ 0.50% · 4.625%
HK$43,896
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,396/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,721
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,143
−HK$1,445/mo
Today · 4.125%
HK$48,588
baseline
▲ 0.50% · 4.625%
HK$51,544
+HK$2,956/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,176/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,864
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,228
−HK$1,384/mo
Today · 4.125%
HK$53,612
baseline
▲ 0.50% · 4.625%
HK$56,438
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,224/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,725 · Scale 2, in force from 26 Feb 2026)