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$25,385
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,175
−HK$802/mo
Today · 4.125%
HK$26,977
baseline
▲ 0.50% · 4.625%
HK$28,619
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,954/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,241
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,998
−HK$769/mo
Today · 4.125%
HK$29,767
baseline
▲ 0.50% · 4.625%
HK$31,336
+HK$1,569/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,534/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,462
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,410
−HK$963/mo
Today · 4.125%
HK$32,373
baseline
▲ 0.50% · 4.625%
HK$34,342
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,746/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,889
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,798
−HK$922/mo
Today · 4.125%
HK$35,720
baseline
▲ 0.50% · 4.625%
HK$37,603
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,440/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,539
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,645
−HK$1,123/mo
Today · 4.125%
HK$37,768
baseline
▲ 0.50% · 4.625%
HK$40,066
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,536/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,537
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,598
−HK$1,075/mo
Today · 4.125%
HK$41,673
baseline
▲ 0.50% · 4.625%
HK$43,870
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,346/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,693
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,115
−HK$1,444/mo
Today · 4.125%
HK$48,559
baseline
▲ 0.50% · 4.625%
HK$51,514
+HK$2,955/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,118/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,834
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,197
−HK$1,383/mo
Today · 4.125%
HK$53,580
baseline
▲ 0.50% · 4.625%
HK$56,404
+HK$2,824/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,160/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,474 · Scale 2, in force from 26 Feb 2026)