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$25,413
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,204
−HK$803/mo
Today · 4.125%
HK$27,007
baseline
▲ 0.50% · 4.625%
HK$28,650
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,014/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,272
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,030
−HK$770/mo
Today · 4.125%
HK$29,800
baseline
▲ 0.50% · 4.625%
HK$31,370
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,600/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,496
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,445
−HK$964/mo
Today · 4.125%
HK$32,409
baseline
▲ 0.50% · 4.625%
HK$34,381
+HK$1,972/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,818/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,927
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,837
−HK$923/mo
Today · 4.125%
HK$35,760
baseline
▲ 0.50% · 4.625%
HK$37,645
+HK$1,885/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,520/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,579
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,686
−HK$1,124/mo
Today · 4.125%
HK$37,810
baseline
▲ 0.50% · 4.625%
HK$40,111
+HK$2,301/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,620/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,581
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,643
−HK$1,077/mo
Today · 4.125%
HK$41,720
baseline
▲ 0.50% · 4.625%
HK$43,919
+HK$2,199/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,440/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,744
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,167
−HK$1,446/mo
Today · 4.125%
HK$48,613
baseline
▲ 0.50% · 4.625%
HK$51,571
+HK$2,958/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,226/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,890
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,255
−HK$1,384/mo
Today · 4.125%
HK$53,639
baseline
▲ 0.50% · 4.625%
HK$56,467
+HK$2,828/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,278/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,938 · Scale 2, in force from 26 Feb 2026)