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$25,399
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,189
−HK$802/mo
Today · 4.125%
HK$26,991
baseline
▲ 0.50% · 4.625%
HK$28,634
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,982/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,256
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,014
−HK$768/mo
Today · 4.125%
HK$29,782
baseline
▲ 0.50% · 4.625%
HK$31,352
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,564/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,478
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,426
−HK$964/mo
Today · 4.125%
HK$32,390
baseline
▲ 0.50% · 4.625%
HK$34,360
+HK$1,970/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,780/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,907
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,816
−HK$923/mo
Today · 4.125%
HK$35,739
baseline
▲ 0.50% · 4.625%
HK$37,623
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,478/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,558
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,664
−HK$1,124/mo
Today · 4.125%
HK$37,788
baseline
▲ 0.50% · 4.625%
HK$40,087
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,576/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,558
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,619
−HK$1,076/mo
Today · 4.125%
HK$41,695
baseline
▲ 0.50% · 4.625%
HK$43,893
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,390/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,718
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,140
−HK$1,444/mo
Today · 4.125%
HK$48,584
baseline
▲ 0.50% · 4.625%
HK$51,541
+HK$2,957/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,168/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,860
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,224
−HK$1,384/mo
Today · 4.125%
HK$53,608
baseline
▲ 0.50% · 4.625%
HK$56,434
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,216/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,694 · Scale 2, in force from 26 Feb 2026)