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$25,384
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,174
−HK$802/mo
Today · 4.125%
HK$26,976
baseline
▲ 0.50% · 4.625%
HK$28,618
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,952/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,240
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,997
−HK$769/mo
Today · 4.125%
HK$29,766
baseline
▲ 0.50% · 4.625%
HK$31,335
+HK$1,569/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,532/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,461
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,409
−HK$963/mo
Today · 4.125%
HK$32,372
baseline
▲ 0.50% · 4.625%
HK$34,341
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,744/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,888
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,797
−HK$922/mo
Today · 4.125%
HK$35,719
baseline
▲ 0.50% · 4.625%
HK$37,602
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,438/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,538
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,644
−HK$1,123/mo
Today · 4.125%
HK$37,767
baseline
▲ 0.50% · 4.625%
HK$40,065
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,534/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,536
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,596
−HK$1,076/mo
Today · 4.125%
HK$41,672
baseline
▲ 0.50% · 4.625%
HK$43,869
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,344/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,692
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,113
−HK$1,444/mo
Today · 4.125%
HK$48,557
baseline
▲ 0.50% · 4.625%
HK$51,512
+HK$2,955/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,114/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,832
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,195
−HK$1,383/mo
Today · 4.125%
HK$53,578
baseline
▲ 0.50% · 4.625%
HK$56,402
+HK$2,824/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,156/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,462 · Scale 2, in force from 26 Feb 2026)