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$25,390
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,180
−HK$803/mo
Today · 4.125%
HK$26,983
baseline
▲ 0.50% · 4.625%
HK$28,624
+HK$1,641/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,966/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,246
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,004
−HK$769/mo
Today · 4.125%
HK$29,773
baseline
▲ 0.50% · 4.625%
HK$31,342
+HK$1,569/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,546/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,468
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,416
−HK$963/mo
Today · 4.125%
HK$32,379
baseline
▲ 0.50% · 4.625%
HK$34,349
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,758/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,896
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,805
−HK$922/mo
Today · 4.125%
HK$35,727
baseline
▲ 0.50% · 4.625%
HK$37,610
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,454/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,546
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,652
−HK$1,124/mo
Today · 4.125%
HK$37,776
baseline
▲ 0.50% · 4.625%
HK$40,074
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,552/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,545
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,606
−HK$1,076/mo
Today · 4.125%
HK$41,682
baseline
▲ 0.50% · 4.625%
HK$43,879
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,364/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,703
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,124
−HK$1,445/mo
Today · 4.125%
HK$48,569
baseline
▲ 0.50% · 4.625%
HK$51,524
+HK$2,955/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,138/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,844
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,207
−HK$1,384/mo
Today · 4.125%
HK$53,591
baseline
▲ 0.50% · 4.625%
HK$56,415
+HK$2,824/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,182/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,558 · Scale 2, in force from 26 Feb 2026)