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$25,383
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,172
−HK$802/mo
Today · 4.125%
HK$26,974
baseline
▲ 0.50% · 4.625%
HK$28,616
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,948/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,238
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,995
−HK$768/mo
Today · 4.125%
HK$29,763
baseline
▲ 0.50% · 4.625%
HK$31,332
+HK$1,569/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,526/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,459
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,406
−HK$963/mo
Today · 4.125%
HK$32,369
baseline
▲ 0.50% · 4.625%
HK$34,339
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,738/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,885
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,794
−HK$922/mo
Today · 4.125%
HK$35,716
baseline
▲ 0.50% · 4.625%
HK$37,599
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,432/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,536
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,641
−HK$1,123/mo
Today · 4.125%
HK$37,764
baseline
▲ 0.50% · 4.625%
HK$40,062
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,528/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,533
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,593
−HK$1,076/mo
Today · 4.125%
HK$41,669
baseline
▲ 0.50% · 4.625%
HK$43,865
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,338/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,689
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,110
−HK$1,444/mo
Today · 4.125%
HK$48,554
baseline
▲ 0.50% · 4.625%
HK$51,508
+HK$2,954/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,108/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,828
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,191
−HK$1,383/mo
Today · 4.125%
HK$53,574
baseline
▲ 0.50% · 4.625%
HK$56,398
+HK$2,824/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,148/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,429 · Scale 2, in force from 26 Feb 2026)