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$25,380
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,170
−HK$802/mo
Today · 4.125%
HK$26,972
baseline
▲ 0.50% · 4.625%
HK$28,613
+HK$1,641/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$417,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,235
−HK$1,526/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$417,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,456
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,404
−HK$962/mo
Today · 4.125%
HK$32,366
baseline
▲ 0.50% · 4.625%
HK$34,336
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,732/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,882
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,791
−HK$922/mo
Today · 4.125%
HK$35,713
baseline
▲ 0.50% · 4.625%
HK$37,596
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,426/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,532
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,638
−HK$1,123/mo
Today · 4.125%
HK$37,761
baseline
▲ 0.50% · 4.625%
HK$40,058
+HK$2,297/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$417,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,530
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,590
−HK$1,075/mo
Today · 4.125%
HK$41,665
baseline
▲ 0.50% · 4.625%
HK$43,861
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,330/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,685
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,106
−HK$1,443/mo
Today · 4.125%
HK$48,549
baseline
▲ 0.50% · 4.625%
HK$51,504
+HK$2,955/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,098/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,824
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,187
−HK$1,383/mo
Today · 4.125%
HK$53,570
baseline
▲ 0.50% · 4.625%
HK$56,393
+HK$2,823/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$417,393 · Scale 2, in force from 26 Feb 2026)