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$25,414
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,205
−HK$803/mo
Today · 4.125%
HK$27,008
baseline
▲ 0.50% · 4.625%
HK$28,652
+HK$1,644/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,016/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,273
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,032
−HK$769/mo
Today · 4.125%
HK$29,801
baseline
▲ 0.50% · 4.625%
HK$31,372
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,602/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,497
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,446
−HK$964/mo
Today · 4.125%
HK$32,410
baseline
▲ 0.50% · 4.625%
HK$34,382
+HK$1,972/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,820/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,928
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,838
−HK$923/mo
Today · 4.125%
HK$35,761
baseline
▲ 0.50% · 4.625%
HK$37,646
+HK$1,885/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,522/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,580
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,687
−HK$1,124/mo
Today · 4.125%
HK$37,811
baseline
▲ 0.50% · 4.625%
HK$40,112
+HK$2,301/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,622/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,583
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,644
−HK$1,077/mo
Today · 4.125%
HK$41,721
baseline
▲ 0.50% · 4.625%
HK$43,920
+HK$2,199/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,442/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,746
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,169
−HK$1,446/mo
Today · 4.125%
HK$48,615
baseline
▲ 0.50% · 4.625%
HK$51,573
+HK$2,958/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,230/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,892
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,257
−HK$1,385/mo
Today · 4.125%
HK$53,642
baseline
▲ 0.50% · 4.625%
HK$56,469
+HK$2,827/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,284/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,955 · Scale 2, in force from 26 Feb 2026)