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$25,401
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,191
−HK$803/mo
Today · 4.125%
HK$26,994
baseline
▲ 0.50% · 4.625%
HK$28,637
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,988/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,258
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,016
−HK$769/mo
Today · 4.125%
HK$29,785
baseline
▲ 0.50% · 4.625%
HK$31,355
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,570/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,481
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,429
−HK$964/mo
Today · 4.125%
HK$32,393
baseline
▲ 0.50% · 4.625%
HK$34,364
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,786/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,910
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,820
−HK$922/mo
Today · 4.125%
HK$35,742
baseline
▲ 0.50% · 4.625%
HK$37,626
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,484/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,562
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,668
−HK$1,124/mo
Today · 4.125%
HK$37,792
baseline
▲ 0.50% · 4.625%
HK$40,091
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,584/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,562
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,623
−HK$1,076/mo
Today · 4.125%
HK$41,699
baseline
▲ 0.50% · 4.625%
HK$43,897
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,398/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,722
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,144
−HK$1,445/mo
Today · 4.125%
HK$48,589
baseline
▲ 0.50% · 4.625%
HK$51,546
+HK$2,957/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,178/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,865
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,229
−HK$1,384/mo
Today · 4.125%
HK$53,613
baseline
▲ 0.50% · 4.625%
HK$56,439
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,226/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,735 · Scale 2, in force from 26 Feb 2026)