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$25,406
−HK$1,594/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$417,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,264
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,022
−HK$769/mo
Today · 4.125%
HK$29,791
baseline
▲ 0.50% · 4.625%
HK$31,362
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,582/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,488
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,436
−HK$964/mo
Today · 4.125%
HK$32,400
baseline
▲ 0.50% · 4.625%
HK$34,371
+HK$1,971/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$417,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,917
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,827
−HK$923/mo
Today · 4.125%
HK$35,750
baseline
▲ 0.50% · 4.625%
HK$37,634
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,500/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,569
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,675
−HK$1,125/mo
Today · 4.125%
HK$37,800
baseline
▲ 0.50% · 4.625%
HK$40,100
+HK$2,300/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,600/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,570
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,631
−HK$1,077/mo
Today · 4.125%
HK$41,708
baseline
▲ 0.50% · 4.625%
HK$43,907
+HK$2,199/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,416/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,732
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,154
−HK$1,445/mo
Today · 4.125%
HK$48,599
baseline
▲ 0.50% · 4.625%
HK$51,557
+HK$2,958/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,198/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,876
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,240
−HK$1,385/mo
Today · 4.125%
HK$53,625
baseline
▲ 0.50% · 4.625%
HK$56,451
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,250/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,823 · Scale 2, in force from 26 Feb 2026)