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$25,425
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,216
−HK$803/mo
Today · 4.125%
HK$27,019
baseline
▲ 0.50% · 4.625%
HK$28,663
+HK$1,644/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,038/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,285
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,043
−HK$770/mo
Today · 4.125%
HK$29,813
baseline
▲ 0.50% · 4.625%
HK$31,384
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,626/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,510
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,459
−HK$964/mo
Today · 4.125%
HK$32,423
baseline
▲ 0.50% · 4.625%
HK$34,396
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,846/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,942
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,852
−HK$923/mo
Today · 4.125%
HK$35,775
baseline
▲ 0.50% · 4.625%
HK$37,661
+HK$1,886/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,550/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,595
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,702
−HK$1,125/mo
Today · 4.125%
HK$37,827
baseline
▲ 0.50% · 4.625%
HK$40,128
+HK$2,301/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,654/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,599
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,661
−HK$1,077/mo
Today · 4.125%
HK$41,738
baseline
▲ 0.50% · 4.625%
HK$43,938
+HK$2,200/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,476/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,764
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,188
−HK$1,446/mo
Today · 4.125%
HK$48,634
baseline
▲ 0.50% · 4.625%
HK$51,594
+HK$2,960/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,268/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,912
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,278
−HK$1,385/mo
Today · 4.125%
HK$53,663
baseline
▲ 0.50% · 4.625%
HK$56,492
+HK$2,829/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,326/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,122 · Scale 2, in force from 26 Feb 2026)