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$25,396
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,186
−HK$803/mo
Today · 4.125%
HK$26,989
baseline
▲ 0.50% · 4.625%
HK$28,631
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,978/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,253
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,011
−HK$769/mo
Today · 4.125%
HK$29,780
baseline
▲ 0.50% · 4.625%
HK$31,350
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,560/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,476
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,424
−HK$963/mo
Today · 4.125%
HK$32,387
baseline
▲ 0.50% · 4.625%
HK$34,358
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,774/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,904
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,813
−HK$923/mo
Today · 4.125%
HK$35,736
baseline
▲ 0.50% · 4.625%
HK$37,619
+HK$1,883/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,472/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,555
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,661
−HK$1,124/mo
Today · 4.125%
HK$37,785
baseline
▲ 0.50% · 4.625%
HK$40,084
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,570/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,555
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,615
−HK$1,077/mo
Today · 4.125%
HK$41,692
baseline
▲ 0.50% · 4.625%
HK$43,889
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,384/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,714
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,136
−HK$1,444/mo
Today · 4.125%
HK$48,580
baseline
▲ 0.50% · 4.625%
HK$51,536
+HK$2,956/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,160/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,856
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,220
−HK$1,384/mo
Today · 4.125%
HK$53,604
baseline
▲ 0.50% · 4.625%
HK$56,429
+HK$2,825/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,208/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,659 · Scale 2, in force from 26 Feb 2026)