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$25,406
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,196
−HK$803/mo
Today · 4.125%
HK$26,999
baseline
▲ 0.50% · 4.625%
HK$28,642
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,998/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,264
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,022
−HK$769/mo
Today · 4.125%
HK$29,791
baseline
▲ 0.50% · 4.625%
HK$31,361
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,582/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,487
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,435
−HK$964/mo
Today · 4.125%
HK$32,399
baseline
▲ 0.50% · 4.625%
HK$34,370
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,798/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,916
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,826
−HK$923/mo
Today · 4.125%
HK$35,749
baseline
▲ 0.50% · 4.625%
HK$37,633
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,498/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,568
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,674
−HK$1,124/mo
Today · 4.125%
HK$37,798
baseline
▲ 0.50% · 4.625%
HK$40,098
+HK$2,300/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,596/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,569
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,630
−HK$1,077/mo
Today · 4.125%
HK$41,707
baseline
▲ 0.50% · 4.625%
HK$43,905
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,414/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,730
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,153
−HK$1,445/mo
Today · 4.125%
HK$48,598
baseline
▲ 0.50% · 4.625%
HK$51,555
+HK$2,957/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,196/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,875
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,239
−HK$1,384/mo
Today · 4.125%
HK$53,623
baseline
▲ 0.50% · 4.625%
HK$56,450
+HK$2,827/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,246/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,811 · Scale 2, in force from 26 Feb 2026)