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$25,389
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,178
−HK$803/mo
Today · 4.125%
HK$26,981
baseline
▲ 0.50% · 4.625%
HK$28,622
+HK$1,641/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,962/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,245
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,002
−HK$769/mo
Today · 4.125%
HK$29,771
baseline
▲ 0.50% · 4.625%
HK$31,340
+HK$1,569/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,542/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,466
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,414
−HK$963/mo
Today · 4.125%
HK$32,377
baseline
▲ 0.50% · 4.625%
HK$34,347
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,754/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,893
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,802
−HK$923/mo
Today · 4.125%
HK$35,725
baseline
▲ 0.50% · 4.625%
HK$37,608
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,450/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,544
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,650
−HK$1,123/mo
Today · 4.125%
HK$37,773
baseline
▲ 0.50% · 4.625%
HK$40,071
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,546/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,542
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,603
−HK$1,076/mo
Today · 4.125%
HK$41,679
baseline
▲ 0.50% · 4.625%
HK$43,876
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,358/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,699
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,121
−HK$1,444/mo
Today · 4.125%
HK$48,565
baseline
▲ 0.50% · 4.625%
HK$51,520
+HK$2,955/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,130/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,840
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,204
−HK$1,383/mo
Today · 4.125%
HK$53,587
baseline
▲ 0.50% · 4.625%
HK$56,412
+HK$2,825/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,174/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,529 · Scale 2, in force from 26 Feb 2026)