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$25,405
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,195
−HK$803/mo
Today · 4.125%
HK$26,998
baseline
▲ 0.50% · 4.625%
HK$28,641
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,996/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,263
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,021
−HK$769/mo
Today · 4.125%
HK$29,790
baseline
▲ 0.50% · 4.625%
HK$31,360
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,580/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,486
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,434
−HK$964/mo
Today · 4.125%
HK$32,398
baseline
▲ 0.50% · 4.625%
HK$34,369
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,796/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,915
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,825
−HK$923/mo
Today · 4.125%
HK$35,748
baseline
▲ 0.50% · 4.625%
HK$37,632
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,496/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,567
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,673
−HK$1,124/mo
Today · 4.125%
HK$37,797
baseline
▲ 0.50% · 4.625%
HK$40,097
+HK$2,300/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,594/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,568
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,629
−HK$1,077/mo
Today · 4.125%
HK$41,706
baseline
▲ 0.50% · 4.625%
HK$43,904
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,412/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,729
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,151
−HK$1,446/mo
Today · 4.125%
HK$48,597
baseline
▲ 0.50% · 4.625%
HK$51,554
+HK$2,957/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,194/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,873
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,237
−HK$1,384/mo
Today · 4.125%
HK$53,621
baseline
▲ 0.50% · 4.625%
HK$56,448
+HK$2,827/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,242/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,798 · Scale 2, in force from 26 Feb 2026)