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$25,423
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,214
−HK$803/mo
Today · 4.125%
HK$27,017
baseline
▲ 0.50% · 4.625%
HK$28,661
+HK$1,644/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,034/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,283
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,042
−HK$769/mo
Today · 4.125%
HK$29,811
baseline
▲ 0.50% · 4.625%
HK$31,382
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,622/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,508
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,457
−HK$964/mo
Today · 4.125%
HK$32,421
baseline
▲ 0.50% · 4.625%
HK$34,394
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,842/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,940
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,850
−HK$923/mo
Today · 4.125%
HK$35,773
baseline
▲ 0.50% · 4.625%
HK$37,659
+HK$1,886/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,546/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,592
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,699
−HK$1,125/mo
Today · 4.125%
HK$37,824
baseline
▲ 0.50% · 4.625%
HK$40,126
+HK$2,302/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,648/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,596
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,658
−HK$1,077/mo
Today · 4.125%
HK$41,735
baseline
▲ 0.50% · 4.625%
HK$43,935
+HK$2,200/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,470/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,762
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,185
−HK$1,446/mo
Today · 4.125%
HK$48,631
baseline
▲ 0.50% · 4.625%
HK$51,590
+HK$2,959/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,262/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,909
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,275
−HK$1,385/mo
Today · 4.125%
HK$53,660
baseline
▲ 0.50% · 4.625%
HK$56,488
+HK$2,828/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,320/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,097 · Scale 2, in force from 26 Feb 2026)