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$25,407
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,197
−HK$803/mo
Today · 4.125%
HK$27,000
baseline
▲ 0.50% · 4.625%
HK$28,643
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,000/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,265
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,023
−HK$769/mo
Today · 4.125%
HK$29,792
baseline
▲ 0.50% · 4.625%
HK$31,363
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,584/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,489
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,437
−HK$963/mo
Today · 4.125%
HK$32,400
baseline
▲ 0.50% · 4.625%
HK$34,372
+HK$1,972/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,800/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,918
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,828
−HK$923/mo
Today · 4.125%
HK$35,751
baseline
▲ 0.50% · 4.625%
HK$37,635
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,502/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,570
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,676
−HK$1,125/mo
Today · 4.125%
HK$37,801
baseline
▲ 0.50% · 4.625%
HK$40,101
+HK$2,300/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,602/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,571
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,632
−HK$1,077/mo
Today · 4.125%
HK$41,709
baseline
▲ 0.50% · 4.625%
HK$43,908
+HK$2,199/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,418/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,733
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,155
−HK$1,446/mo
Today · 4.125%
HK$48,601
baseline
▲ 0.50% · 4.625%
HK$51,558
+HK$2,957/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,202/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,877
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,242
−HK$1,384/mo
Today · 4.125%
HK$53,626
baseline
▲ 0.50% · 4.625%
HK$56,453
+HK$2,827/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,252/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,834 · Scale 2, in force from 26 Feb 2026)