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$26,172
−HK$803/mo
Today · 4.125%
HK$26,975
baseline
▲ 0.50% · 4.625%
HK$28,616
+HK$1,641/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$417,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,238
−HK$1,526/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$417,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,459
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,407
−HK$963/mo
Today · 4.125%
HK$32,370
baseline
▲ 0.50% · 4.625%
HK$34,339
+HK$1,969/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$417,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,886
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,795
−HK$922/mo
Today · 4.125%
HK$35,717
baseline
▲ 0.50% · 4.625%
HK$37,599
+HK$1,882/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$417,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,536
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,641
−HK$1,123/mo
Today · 4.125%
HK$37,764
baseline
▲ 0.50% · 4.625%
HK$40,062
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,528/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,534
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,594
−HK$1,075/mo
Today · 4.125%
HK$41,669
baseline
▲ 0.50% · 4.625%
HK$43,866
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,338/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,689
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,110
−HK$1,444/mo
Today · 4.125%
HK$48,554
baseline
▲ 0.50% · 4.625%
HK$51,509
+HK$2,955/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,108/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,829
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,192
−HK$1,383/mo
Today · 4.125%
HK$53,575
baseline
▲ 0.50% · 4.625%
HK$56,399
+HK$2,824/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,150/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,435 · Scale 2, in force from 26 Feb 2026)