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$25,394
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,183
−HK$803/mo
Today · 4.125%
HK$26,986
baseline
▲ 0.50% · 4.625%
HK$28,628
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,972/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,250
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,008
−HK$768/mo
Today · 4.125%
HK$29,776
baseline
▲ 0.50% · 4.625%
HK$31,346
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,552/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,472
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,420
−HK$963/mo
Today · 4.125%
HK$32,383
baseline
▲ 0.50% · 4.625%
HK$34,354
+HK$1,971/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,766/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,900
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,809
−HK$923/mo
Today · 4.125%
HK$35,732
baseline
▲ 0.50% · 4.625%
HK$37,615
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,464/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,551
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,657
−HK$1,123/mo
Today · 4.125%
HK$37,780
baseline
▲ 0.50% · 4.625%
HK$40,079
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,560/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,550
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,611
−HK$1,076/mo
Today · 4.125%
HK$41,687
baseline
▲ 0.50% · 4.625%
HK$43,884
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,374/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,708
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,130
−HK$1,445/mo
Today · 4.125%
HK$48,575
baseline
▲ 0.50% · 4.625%
HK$51,530
+HK$2,955/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,150/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,850
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,214
−HK$1,383/mo
Today · 4.125%
HK$53,597
baseline
▲ 0.50% · 4.625%
HK$56,423
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,194/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,610 · Scale 2, in force from 26 Feb 2026)