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$25,419
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,209
−HK$804/mo
Today · 4.125%
HK$27,013
baseline
▲ 0.50% · 4.625%
HK$28,656
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,026/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,278
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,036
−HK$770/mo
Today · 4.125%
HK$29,806
baseline
▲ 0.50% · 4.625%
HK$31,377
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,612/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,502
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,451
−HK$964/mo
Today · 4.125%
HK$32,415
baseline
▲ 0.50% · 4.625%
HK$34,388
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,830/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,934
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,844
−HK$923/mo
Today · 4.125%
HK$35,767
baseline
▲ 0.50% · 4.625%
HK$37,652
+HK$1,885/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,534/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,586
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,693
−HK$1,125/mo
Today · 4.125%
HK$37,818
baseline
▲ 0.50% · 4.625%
HK$40,119
+HK$2,301/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,636/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,589
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,651
−HK$1,077/mo
Today · 4.125%
HK$41,728
baseline
▲ 0.50% · 4.625%
HK$43,928
+HK$2,200/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,456/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,754
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,177
−HK$1,446/mo
Today · 4.125%
HK$48,623
baseline
▲ 0.50% · 4.625%
HK$51,581
+HK$2,958/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,246/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,901
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,266
−HK$1,385/mo
Today · 4.125%
HK$53,651
baseline
▲ 0.50% · 4.625%
HK$56,479
+HK$2,828/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,302/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,025 · Scale 2, in force from 26 Feb 2026)