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$25,409
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,200
−HK$803/mo
Today · 4.125%
HK$27,003
baseline
▲ 0.50% · 4.625%
HK$28,646
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,006/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,268
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,026
−HK$769/mo
Today · 4.125%
HK$29,795
baseline
▲ 0.50% · 4.625%
HK$31,366
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,590/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,491
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,440
−HK$963/mo
Today · 4.125%
HK$32,403
baseline
▲ 0.50% · 4.625%
HK$34,375
+HK$1,972/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,806/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,921
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,831
−HK$923/mo
Today · 4.125%
HK$35,754
baseline
▲ 0.50% · 4.625%
HK$37,639
+HK$1,885/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,508/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,573
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,680
−HK$1,124/mo
Today · 4.125%
HK$37,804
baseline
▲ 0.50% · 4.625%
HK$40,104
+HK$2,300/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,608/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,575
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,636
−HK$1,077/mo
Today · 4.125%
HK$41,713
baseline
▲ 0.50% · 4.625%
HK$43,912
+HK$2,199/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,426/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,737
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,160
−HK$1,445/mo
Today · 4.125%
HK$48,605
baseline
▲ 0.50% · 4.625%
HK$51,563
+HK$2,958/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,210/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,882
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,247
−HK$1,384/mo
Today · 4.125%
HK$53,631
baseline
▲ 0.50% · 4.625%
HK$56,458
+HK$2,827/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,262/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,872 · Scale 2, in force from 26 Feb 2026)