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$25,413
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,203
−HK$803/mo
Today · 4.125%
HK$27,006
baseline
▲ 0.50% · 4.625%
HK$28,650
+HK$1,644/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,012/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,272
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,030
−HK$769/mo
Today · 4.125%
HK$29,799
baseline
▲ 0.50% · 4.625%
HK$31,370
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,598/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,495
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,444
−HK$964/mo
Today · 4.125%
HK$32,408
baseline
▲ 0.50% · 4.625%
HK$34,380
+HK$1,972/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,816/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,926
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,836
−HK$923/mo
Today · 4.125%
HK$35,759
baseline
▲ 0.50% · 4.625%
HK$37,644
+HK$1,885/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,518/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,578
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,685
−HK$1,124/mo
Today · 4.125%
HK$37,809
baseline
▲ 0.50% · 4.625%
HK$40,110
+HK$2,301/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,618/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,580
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,642
−HK$1,077/mo
Today · 4.125%
HK$41,719
baseline
▲ 0.50% · 4.625%
HK$43,918
+HK$2,199/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,438/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,743
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,166
−HK$1,446/mo
Today · 4.125%
HK$48,612
baseline
▲ 0.50% · 4.625%
HK$51,569
+HK$2,957/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,224/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,889
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,254
−HK$1,384/mo
Today · 4.125%
HK$53,638
baseline
▲ 0.50% · 4.625%
HK$56,465
+HK$2,827/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,276/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,928 · Scale 2, in force from 26 Feb 2026)