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$25,411
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,201
−HK$803/mo
Today · 4.125%
HK$27,004
baseline
▲ 0.50% · 4.625%
HK$28,648
+HK$1,644/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,008/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,269
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,028
−HK$769/mo
Today · 4.125%
HK$29,797
baseline
▲ 0.50% · 4.625%
HK$31,367
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,594/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,493
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,442
−HK$963/mo
Today · 4.125%
HK$32,405
baseline
▲ 0.50% · 4.625%
HK$34,377
+HK$1,972/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,810/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,923
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,833
−HK$923/mo
Today · 4.125%
HK$35,756
baseline
▲ 0.50% · 4.625%
HK$37,641
+HK$1,885/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,512/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,575
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,682
−HK$1,124/mo
Today · 4.125%
HK$37,806
baseline
▲ 0.50% · 4.625%
HK$40,107
+HK$2,301/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,612/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,577
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,639
−HK$1,076/mo
Today · 4.125%
HK$41,715
baseline
▲ 0.50% · 4.625%
HK$43,914
+HK$2,199/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,430/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,740
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,162
−HK$1,446/mo
Today · 4.125%
HK$48,608
baseline
▲ 0.50% · 4.625%
HK$51,566
+HK$2,958/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,216/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,885
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,250
−HK$1,384/mo
Today · 4.125%
HK$53,634
baseline
▲ 0.50% · 4.625%
HK$56,461
+HK$2,827/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,268/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,896 · Scale 2, in force from 26 Feb 2026)