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$25,381
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,170
−HK$803/mo
Today · 4.125%
HK$26,973
baseline
▲ 0.50% · 4.625%
HK$28,614
+HK$1,641/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,946/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,236
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,993
−HK$769/mo
Today · 4.125%
HK$29,762
baseline
▲ 0.50% · 4.625%
HK$31,330
+HK$1,568/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,524/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,457
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,405
−HK$962/mo
Today · 4.125%
HK$32,367
baseline
▲ 0.50% · 4.625%
HK$34,337
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,734/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,883
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,792
−HK$922/mo
Today · 4.125%
HK$35,714
baseline
▲ 0.50% · 4.625%
HK$37,596
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,428/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,533
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,639
−HK$1,123/mo
Today · 4.125%
HK$37,762
baseline
▲ 0.50% · 4.625%
HK$40,059
+HK$2,297/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,524/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,530
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,591
−HK$1,075/mo
Today · 4.125%
HK$41,666
baseline
▲ 0.50% · 4.625%
HK$43,862
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,332/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,686
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,107
−HK$1,444/mo
Today · 4.125%
HK$48,551
baseline
▲ 0.50% · 4.625%
HK$51,505
+HK$2,954/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,102/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,825
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,188
−HK$1,383/mo
Today · 4.125%
HK$53,571
baseline
▲ 0.50% · 4.625%
HK$56,395
+HK$2,824/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,142/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,403 · Scale 2, in force from 26 Feb 2026)