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$25,395
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,185
−HK$803/mo
Today · 4.125%
HK$26,988
baseline
▲ 0.50% · 4.625%
HK$28,630
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,976/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,252
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,009
−HK$769/mo
Today · 4.125%
HK$29,778
baseline
▲ 0.50% · 4.625%
HK$31,348
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,556/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,474
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,422
−HK$963/mo
Today · 4.125%
HK$32,385
baseline
▲ 0.50% · 4.625%
HK$34,356
+HK$1,971/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,770/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,902
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,811
−HK$923/mo
Today · 4.125%
HK$35,734
baseline
▲ 0.50% · 4.625%
HK$37,617
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,468/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,553
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,659
−HK$1,124/mo
Today · 4.125%
HK$37,783
baseline
▲ 0.50% · 4.625%
HK$40,082
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,566/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,552
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,613
−HK$1,076/mo
Today · 4.125%
HK$41,689
baseline
▲ 0.50% · 4.625%
HK$43,887
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,378/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,711
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,133
−HK$1,445/mo
Today · 4.125%
HK$48,578
baseline
▲ 0.50% · 4.625%
HK$51,533
+HK$2,955/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,156/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,853
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,217
−HK$1,384/mo
Today · 4.125%
HK$53,601
baseline
▲ 0.50% · 4.625%
HK$56,426
+HK$2,825/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,202/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,635 · Scale 2, in force from 26 Feb 2026)