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$1,591/mo
▼ 0.25% · 3.875%
HK$26,170
−HK$802/mo
Today · 4.125%
HK$26,972
baseline
▲ 0.50% · 4.625%
HK$28,614
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,944/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,236
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,993
−HK$768/mo
Today · 4.125%
HK$29,761
baseline
▲ 0.50% · 4.625%
HK$31,330
+HK$1,569/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,522/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,457
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,404
−HK$963/mo
Today · 4.125%
HK$32,367
baseline
▲ 0.50% · 4.625%
HK$34,336
+HK$1,969/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$417,399 · 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$417,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,533
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,638
−HK$1,123/mo
Today · 4.125%
HK$37,761
baseline
▲ 0.50% · 4.625%
HK$40,059
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,522/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,530
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,590
−HK$1,076/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$417,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,685
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,106
−HK$1,444/mo
Today · 4.125%
HK$48,550
baseline
▲ 0.50% · 4.625%
HK$51,504
+HK$2,954/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,100/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,824
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,188
−HK$1,382/mo
Today · 4.125%
HK$53,570
baseline
▲ 0.50% · 4.625%
HK$56,394
+HK$2,824/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,140/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,399 · Scale 2, in force from 26 Feb 2026)