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$25,397
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,187
−HK$802/mo
Today · 4.125%
HK$26,989
baseline
▲ 0.50% · 4.625%
HK$28,631
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,978/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,254
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,011
−HK$769/mo
Today · 4.125%
HK$29,780
baseline
▲ 0.50% · 4.625%
HK$31,350
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,560/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,476
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,424
−HK$963/mo
Today · 4.125%
HK$32,387
baseline
▲ 0.50% · 4.625%
HK$34,358
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,774/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,904
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,814
−HK$922/mo
Today · 4.125%
HK$35,736
baseline
▲ 0.50% · 4.625%
HK$37,620
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,472/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,555
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,661
−HK$1,124/mo
Today · 4.125%
HK$37,785
baseline
▲ 0.50% · 4.625%
HK$40,084
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,570/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,555
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,616
−HK$1,076/mo
Today · 4.125%
HK$41,692
baseline
▲ 0.50% · 4.625%
HK$43,890
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,384/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,714
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,136
−HK$1,445/mo
Today · 4.125%
HK$48,581
baseline
▲ 0.50% · 4.625%
HK$51,537
+HK$2,956/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,162/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,856
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,220
−HK$1,384/mo
Today · 4.125%
HK$53,604
baseline
▲ 0.50% · 4.625%
HK$56,429
+HK$2,825/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,208/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,661 · Scale 2, in force from 26 Feb 2026)