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$25,413
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,203
−HK$803/mo
Today · 4.125%
HK$27,006
baseline
▲ 0.50% · 4.625%
HK$28,649
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,012/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,271
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,029
−HK$770/mo
Today · 4.125%
HK$29,799
baseline
▲ 0.50% · 4.625%
HK$31,369
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,598/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,495
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,444
−HK$963/mo
Today · 4.125%
HK$32,407
baseline
▲ 0.50% · 4.625%
HK$34,379
+HK$1,972/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,814/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,925
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,835
−HK$923/mo
Today · 4.125%
HK$35,758
baseline
▲ 0.50% · 4.625%
HK$37,643
+HK$1,885/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,516/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,578
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,684
−HK$1,125/mo
Today · 4.125%
HK$37,809
baseline
▲ 0.50% · 4.625%
HK$40,109
+HK$2,300/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,618/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,580
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,641
−HK$1,077/mo
Today · 4.125%
HK$41,718
baseline
▲ 0.50% · 4.625%
HK$43,917
+HK$2,199/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,436/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,743
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,165
−HK$1,446/mo
Today · 4.125%
HK$48,611
baseline
▲ 0.50% · 4.625%
HK$51,569
+HK$2,958/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,222/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,888
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,253
−HK$1,384/mo
Today · 4.125%
HK$53,637
baseline
▲ 0.50% · 4.625%
HK$56,465
+HK$2,828/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,274/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,923 · Scale 2, in force from 26 Feb 2026)