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$25,398
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,188
−HK$802/mo
Today · 4.125%
HK$26,990
baseline
▲ 0.50% · 4.625%
HK$28,633
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,980/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,255
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,012
−HK$769/mo
Today · 4.125%
HK$29,781
baseline
▲ 0.50% · 4.625%
HK$31,351
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,562/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,477
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,425
−HK$963/mo
Today · 4.125%
HK$32,388
baseline
▲ 0.50% · 4.625%
HK$34,359
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,776/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,905
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,815
−HK$922/mo
Today · 4.125%
HK$35,737
baseline
▲ 0.50% · 4.625%
HK$37,621
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,474/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,557
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,663
−HK$1,123/mo
Today · 4.125%
HK$37,786
baseline
▲ 0.50% · 4.625%
HK$40,086
+HK$2,300/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,572/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,556
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,617
−HK$1,077/mo
Today · 4.125%
HK$41,694
baseline
▲ 0.50% · 4.625%
HK$43,891
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,388/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,716
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,138
−HK$1,444/mo
Today · 4.125%
HK$48,582
baseline
▲ 0.50% · 4.625%
HK$51,539
+HK$2,957/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,164/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,858
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,222
−HK$1,384/mo
Today · 4.125%
HK$53,606
baseline
▲ 0.50% · 4.625%
HK$56,432
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,212/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,677 · Scale 2, in force from 26 Feb 2026)