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$25,417
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,207
−HK$804/mo
Today · 4.125%
HK$27,011
baseline
▲ 0.50% · 4.625%
HK$28,654
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,022/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,276
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,034
−HK$770/mo
Today · 4.125%
HK$29,804
baseline
▲ 0.50% · 4.625%
HK$31,375
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,608/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,500
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,449
−HK$964/mo
Today · 4.125%
HK$32,413
baseline
▲ 0.50% · 4.625%
HK$34,385
+HK$1,972/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,826/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,931
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,841
−HK$923/mo
Today · 4.125%
HK$35,764
baseline
▲ 0.50% · 4.625%
HK$37,649
+HK$1,885/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,528/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,583
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,690
−HK$1,125/mo
Today · 4.125%
HK$37,815
baseline
▲ 0.50% · 4.625%
HK$40,116
+HK$2,301/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,630/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,586
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,648
−HK$1,077/mo
Today · 4.125%
HK$41,725
baseline
▲ 0.50% · 4.625%
HK$43,924
+HK$2,199/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,450/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,750
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,173
−HK$1,446/mo
Today · 4.125%
HK$48,619
baseline
▲ 0.50% · 4.625%
HK$51,578
+HK$2,959/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,238/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,897
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,262
−HK$1,384/mo
Today · 4.125%
HK$53,646
baseline
▲ 0.50% · 4.625%
HK$56,474
+HK$2,828/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,292/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,993 · Scale 2, in force from 26 Feb 2026)