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$25,421
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,211
−HK$804/mo
Today · 4.125%
HK$27,015
baseline
▲ 0.50% · 4.625%
HK$28,659
+HK$1,644/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,030/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,280
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,039
−HK$769/mo
Today · 4.125%
HK$29,808
baseline
▲ 0.50% · 4.625%
HK$31,379
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,616/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,505
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,454
−HK$964/mo
Today · 4.125%
HK$32,418
baseline
▲ 0.50% · 4.625%
HK$34,390
+HK$1,972/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,836/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,936
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,847
−HK$923/mo
Today · 4.125%
HK$35,770
baseline
▲ 0.50% · 4.625%
HK$37,655
+HK$1,885/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,540/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,589
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,696
−HK$1,125/mo
Today · 4.125%
HK$37,821
baseline
▲ 0.50% · 4.625%
HK$40,122
+HK$2,301/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,642/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,592
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,654
−HK$1,078/mo
Today · 4.125%
HK$41,732
baseline
▲ 0.50% · 4.625%
HK$43,931
+HK$2,199/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,464/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,757
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,181
−HK$1,446/mo
Today · 4.125%
HK$48,627
baseline
▲ 0.50% · 4.625%
HK$51,586
+HK$2,959/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,254/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,905
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,270
−HK$1,385/mo
Today · 4.125%
HK$53,655
baseline
▲ 0.50% · 4.625%
HK$56,483
+HK$2,828/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,310/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,058 · Scale 2, in force from 26 Feb 2026)