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$25,388
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,178
−HK$802/mo
Today · 4.125%
HK$26,980
baseline
▲ 0.50% · 4.625%
HK$28,622
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,960/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,244
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,002
−HK$768/mo
Today · 4.125%
HK$29,770
baseline
▲ 0.50% · 4.625%
HK$31,339
+HK$1,569/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,540/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,466
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,413
−HK$963/mo
Today · 4.125%
HK$32,376
baseline
▲ 0.50% · 4.625%
HK$34,346
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,752/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,893
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,802
−HK$922/mo
Today · 4.125%
HK$35,724
baseline
▲ 0.50% · 4.625%
HK$37,607
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,448/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,543
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,649
−HK$1,123/mo
Today · 4.125%
HK$37,772
baseline
▲ 0.50% · 4.625%
HK$40,071
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,544/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,542
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,602
−HK$1,076/mo
Today · 4.125%
HK$41,678
baseline
▲ 0.50% · 4.625%
HK$43,875
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,356/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,699
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,120
−HK$1,444/mo
Today · 4.125%
HK$48,564
baseline
▲ 0.50% · 4.625%
HK$51,519
+HK$2,955/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,128/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,839
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,203
−HK$1,383/mo
Today · 4.125%
HK$53,586
baseline
▲ 0.50% · 4.625%
HK$56,411
+HK$2,825/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,172/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,523 · Scale 2, in force from 26 Feb 2026)