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$25,386
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,176
−HK$802/mo
Today · 4.125%
HK$26,978
baseline
▲ 0.50% · 4.625%
HK$28,620
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,956/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,242
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,000
−HK$768/mo
Today · 4.125%
HK$29,768
baseline
▲ 0.50% · 4.625%
HK$31,337
+HK$1,569/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,536/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,464
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,411
−HK$963/mo
Today · 4.125%
HK$32,374
baseline
▲ 0.50% · 4.625%
HK$34,344
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,748/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,891
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,800
−HK$922/mo
Today · 4.125%
HK$35,722
baseline
▲ 0.50% · 4.625%
HK$37,605
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,444/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,541
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,647
−HK$1,123/mo
Today · 4.125%
HK$37,770
baseline
▲ 0.50% · 4.625%
HK$40,068
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,540/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,539
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,599
−HK$1,076/mo
Today · 4.125%
HK$41,675
baseline
▲ 0.50% · 4.625%
HK$43,872
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,350/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,696
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,117
−HK$1,444/mo
Today · 4.125%
HK$48,561
baseline
▲ 0.50% · 4.625%
HK$51,516
+HK$2,955/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,122/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,836
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,199
−HK$1,383/mo
Today · 4.125%
HK$53,582
baseline
▲ 0.50% · 4.625%
HK$56,407
+HK$2,825/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,164/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,494 · Scale 2, in force from 26 Feb 2026)