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$25,383
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,173
−HK$802/mo
Today · 4.125%
HK$26,975
baseline
▲ 0.50% · 4.625%
HK$28,617
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,950/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,239
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,996
−HK$768/mo
Today · 4.125%
HK$29,764
baseline
▲ 0.50% · 4.625%
HK$31,333
+HK$1,569/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,528/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,460
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,408
−HK$962/mo
Today · 4.125%
HK$32,370
baseline
▲ 0.50% · 4.625%
HK$34,340
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,740/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,887
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,795
−HK$922/mo
Today · 4.125%
HK$35,717
baseline
▲ 0.50% · 4.625%
HK$37,600
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,434/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,537
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,642
−HK$1,123/mo
Today · 4.125%
HK$37,765
baseline
▲ 0.50% · 4.625%
HK$40,063
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,530/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,534
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,595
−HK$1,075/mo
Today · 4.125%
HK$41,670
baseline
▲ 0.50% · 4.625%
HK$43,867
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,340/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,690
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,111
−HK$1,444/mo
Today · 4.125%
HK$48,555
baseline
▲ 0.50% · 4.625%
HK$51,510
+HK$2,955/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,110/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,830
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,193
−HK$1,383/mo
Today · 4.125%
HK$53,576
baseline
▲ 0.50% · 4.625%
HK$56,400
+HK$2,824/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,152/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,444 · Scale 2, in force from 26 Feb 2026)