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$25,403
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,193
−HK$803/mo
Today · 4.125%
HK$26,996
baseline
▲ 0.50% · 4.625%
HK$28,639
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,992/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,261
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,019
−HK$769/mo
Today · 4.125%
HK$29,788
baseline
▲ 0.50% · 4.625%
HK$31,358
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,576/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,484
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,432
−HK$963/mo
Today · 4.125%
HK$32,395
baseline
▲ 0.50% · 4.625%
HK$34,367
+HK$1,972/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,790/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,913
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,823
−HK$922/mo
Today · 4.125%
HK$35,745
baseline
▲ 0.50% · 4.625%
HK$37,629
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,490/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,565
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,671
−HK$1,124/mo
Today · 4.125%
HK$37,795
baseline
▲ 0.50% · 4.625%
HK$40,094
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,590/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,565
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,626
−HK$1,077/mo
Today · 4.125%
HK$41,703
baseline
▲ 0.50% · 4.625%
HK$43,901
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,406/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,726
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,148
−HK$1,445/mo
Today · 4.125%
HK$48,593
baseline
▲ 0.50% · 4.625%
HK$51,550
+HK$2,957/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,186/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,870
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,234
−HK$1,384/mo
Today · 4.125%
HK$53,618
baseline
▲ 0.50% · 4.625%
HK$56,444
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,236/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,770 · Scale 2, in force from 26 Feb 2026)