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$25,404
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,194
−HK$803/mo
Today · 4.125%
HK$26,997
baseline
▲ 0.50% · 4.625%
HK$28,640
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,994/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,262
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,020
−HK$769/mo
Today · 4.125%
HK$29,789
baseline
▲ 0.50% · 4.625%
HK$31,359
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,578/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,485
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,433
−HK$964/mo
Today · 4.125%
HK$32,397
baseline
▲ 0.50% · 4.625%
HK$34,368
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,794/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,914
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,824
−HK$922/mo
Today · 4.125%
HK$35,746
baseline
▲ 0.50% · 4.625%
HK$37,631
+HK$1,885/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,492/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,566
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,672
−HK$1,124/mo
Today · 4.125%
HK$37,796
baseline
▲ 0.50% · 4.625%
HK$40,096
+HK$2,300/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,592/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,566
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,628
−HK$1,076/mo
Today · 4.125%
HK$41,704
baseline
▲ 0.50% · 4.625%
HK$43,902
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,408/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,727
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,150
−HK$1,445/mo
Today · 4.125%
HK$48,595
baseline
▲ 0.50% · 4.625%
HK$51,552
+HK$2,957/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,190/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,871
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,236
−HK$1,384/mo
Today · 4.125%
HK$53,620
baseline
▲ 0.50% · 4.625%
HK$56,446
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,240/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,783 · Scale 2, in force from 26 Feb 2026)