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$25,389
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,179
−HK$803/mo
Today · 4.125%
HK$26,982
baseline
▲ 0.50% · 4.625%
HK$28,623
+HK$1,641/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,964/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,245
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,003
−HK$768/mo
Today · 4.125%
HK$29,771
baseline
▲ 0.50% · 4.625%
HK$31,341
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,542/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,467
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,415
−HK$963/mo
Today · 4.125%
HK$32,378
baseline
▲ 0.50% · 4.625%
HK$34,348
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,756/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,895
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,804
−HK$922/mo
Today · 4.125%
HK$35,726
baseline
▲ 0.50% · 4.625%
HK$37,609
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,452/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,545
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,651
−HK$1,123/mo
Today · 4.125%
HK$37,774
baseline
▲ 0.50% · 4.625%
HK$40,073
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,548/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,544
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,604
−HK$1,076/mo
Today · 4.125%
HK$41,680
baseline
▲ 0.50% · 4.625%
HK$43,877
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,360/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,701
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,122
−HK$1,445/mo
Today · 4.125%
HK$48,567
baseline
▲ 0.50% · 4.625%
HK$51,522
+HK$2,955/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,134/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,842
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,205
−HK$1,384/mo
Today · 4.125%
HK$53,589
baseline
▲ 0.50% · 4.625%
HK$56,413
+HK$2,824/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,178/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,542 · Scale 2, in force from 26 Feb 2026)