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$25,393
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,183
−HK$802/mo
Today · 4.125%
HK$26,985
baseline
▲ 0.50% · 4.625%
HK$28,627
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,970/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,249
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,007
−HK$768/mo
Today · 4.125%
HK$29,775
baseline
▲ 0.50% · 4.625%
HK$31,345
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,550/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,471
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,419
−HK$963/mo
Today · 4.125%
HK$32,382
baseline
▲ 0.50% · 4.625%
HK$34,353
+HK$1,971/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,764/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,899
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,808
−HK$923/mo
Today · 4.125%
HK$35,731
baseline
▲ 0.50% · 4.625%
HK$37,614
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,462/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,550
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,656
−HK$1,123/mo
Today · 4.125%
HK$37,779
baseline
▲ 0.50% · 4.625%
HK$40,078
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,558/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,549
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,610
−HK$1,076/mo
Today · 4.125%
HK$41,686
baseline
▲ 0.50% · 4.625%
HK$43,883
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,372/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,707
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,129
−HK$1,444/mo
Today · 4.125%
HK$48,573
baseline
▲ 0.50% · 4.625%
HK$51,529
+HK$2,956/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,146/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,849
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,212
−HK$1,384/mo
Today · 4.125%
HK$53,596
baseline
▲ 0.50% · 4.625%
HK$56,421
+HK$2,825/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,192/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,598 · Scale 2, in force from 26 Feb 2026)