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$25,394
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,184
−HK$803/mo
Today · 4.125%
HK$26,987
baseline
▲ 0.50% · 4.625%
HK$28,629
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,974/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,251
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,009
−HK$768/mo
Today · 4.125%
HK$29,777
baseline
▲ 0.50% · 4.625%
HK$31,347
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,554/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,473
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,421
−HK$963/mo
Today · 4.125%
HK$32,384
baseline
▲ 0.50% · 4.625%
HK$34,355
+HK$1,971/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,768/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,901
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,810
−HK$923/mo
Today · 4.125%
HK$35,733
baseline
▲ 0.50% · 4.625%
HK$37,616
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,466/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,552
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,658
−HK$1,124/mo
Today · 4.125%
HK$37,782
baseline
▲ 0.50% · 4.625%
HK$40,081
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,564/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,551
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,612
−HK$1,076/mo
Today · 4.125%
HK$41,688
baseline
▲ 0.50% · 4.625%
HK$43,886
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,376/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,710
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,132
−HK$1,444/mo
Today · 4.125%
HK$48,576
baseline
▲ 0.50% · 4.625%
HK$51,532
+HK$2,956/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,152/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,852
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,216
−HK$1,383/mo
Today · 4.125%
HK$53,599
baseline
▲ 0.50% · 4.625%
HK$56,425
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,198/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,625 · Scale 2, in force from 26 Feb 2026)