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$25,403
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,193
−HK$803/mo
Today · 4.125%
HK$26,996
baseline
▲ 0.50% · 4.625%
HK$28,638
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,992/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,260
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,018
−HK$769/mo
Today · 4.125%
HK$29,787
baseline
▲ 0.50% · 4.625%
HK$31,357
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,574/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,483
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,432
−HK$963/mo
Today · 4.125%
HK$32,395
baseline
▲ 0.50% · 4.625%
HK$34,366
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,790/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,912
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,822
−HK$923/mo
Today · 4.125%
HK$35,745
baseline
▲ 0.50% · 4.625%
HK$37,629
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,490/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,564
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,670
−HK$1,124/mo
Today · 4.125%
HK$37,794
baseline
▲ 0.50% · 4.625%
HK$40,094
+HK$2,300/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,588/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,565
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,626
−HK$1,076/mo
Today · 4.125%
HK$41,702
baseline
▲ 0.50% · 4.625%
HK$43,900
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,404/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,725
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,147
−HK$1,445/mo
Today · 4.125%
HK$48,592
baseline
▲ 0.50% · 4.625%
HK$51,549
+HK$2,957/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,184/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,869
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,233
−HK$1,384/mo
Today · 4.125%
HK$53,617
baseline
▲ 0.50% · 4.625%
HK$56,443
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,234/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,763 · Scale 2, in force from 26 Feb 2026)