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$25,394
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,184
−HK$802/mo
Today · 4.125%
HK$26,986
baseline
▲ 0.50% · 4.625%
HK$28,628
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,972/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,250
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,008
−HK$769/mo
Today · 4.125%
HK$29,777
baseline
▲ 0.50% · 4.625%
HK$31,346
+HK$1,569/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,554/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,473
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,421
−HK$963/mo
Today · 4.125%
HK$32,384
baseline
▲ 0.50% · 4.625%
HK$34,354
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,768/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,901
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,810
−HK$922/mo
Today · 4.125%
HK$35,732
baseline
▲ 0.50% · 4.625%
HK$37,616
+HK$1,884/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,464/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,552
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,657
−HK$1,124/mo
Today · 4.125%
HK$37,781
baseline
▲ 0.50% · 4.625%
HK$40,080
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,562/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,551
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,611
−HK$1,076/mo
Today · 4.125%
HK$41,687
baseline
▲ 0.50% · 4.625%
HK$43,885
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,374/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,709
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,131
−HK$1,444/mo
Today · 4.125%
HK$48,575
baseline
▲ 0.50% · 4.625%
HK$51,531
+HK$2,956/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,150/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,851
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,215
−HK$1,383/mo
Today · 4.125%
HK$53,598
baseline
▲ 0.50% · 4.625%
HK$56,423
+HK$2,825/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,196/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,617 · Scale 2, in force from 26 Feb 2026)