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$25,432
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,223
−HK$803/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,671
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,052/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,292
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,051
−HK$770/mo
Today · 4.125%
HK$29,821
baseline
▲ 0.50% · 4.625%
HK$31,393
+HK$1,572/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,642/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,518
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,467
−HK$965/mo
Today · 4.125%
HK$32,432
baseline
▲ 0.50% · 4.625%
HK$34,405
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,864/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,951
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,861
−HK$924/mo
Today · 4.125%
HK$35,785
baseline
▲ 0.50% · 4.625%
HK$37,671
+HK$1,886/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,570/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,604
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,712
−HK$1,125/mo
Today · 4.125%
HK$37,837
baseline
▲ 0.50% · 4.625%
HK$40,139
+HK$2,302/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,674/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,609
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,672
−HK$1,077/mo
Today · 4.125%
HK$41,749
baseline
▲ 0.50% · 4.625%
HK$43,950
+HK$2,201/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,498/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,777
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,201
−HK$1,446/mo
Today · 4.125%
HK$48,647
baseline
▲ 0.50% · 4.625%
HK$51,607
+HK$2,960/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,294/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,926
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,292
−HK$1,386/mo
Today · 4.125%
HK$53,678
baseline
▲ 0.50% · 4.625%
HK$56,507
+HK$2,829/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,356/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,235 · Scale 2, in force from 26 Feb 2026)