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$25,404
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,194
−HK$803/mo
Today · 4.125%
HK$26,997
baseline
▲ 0.50% · 4.625%
HK$28,640
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,994/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,262
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,020
−HK$768/mo
Today · 4.125%
HK$29,788
baseline
▲ 0.50% · 4.625%
HK$31,359
+HK$1,571/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,576/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,485
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,433
−HK$963/mo
Today · 4.125%
HK$32,396
baseline
▲ 0.50% · 4.625%
HK$34,368
+HK$1,972/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,792/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,914
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,823
−HK$923/mo
Today · 4.125%
HK$35,746
baseline
▲ 0.50% · 4.625%
HK$37,630
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,492/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,565
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,672
−HK$1,124/mo
Today · 4.125%
HK$37,796
baseline
▲ 0.50% · 4.625%
HK$40,096
+HK$2,300/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,592/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,566
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,627
−HK$1,077/mo
Today · 4.125%
HK$41,704
baseline
▲ 0.50% · 4.625%
HK$43,902
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,408/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,727
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,149
−HK$1,446/mo
Today · 4.125%
HK$48,595
baseline
▲ 0.50% · 4.625%
HK$51,551
+HK$2,956/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,190/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,871
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,235
−HK$1,384/mo
Today · 4.125%
HK$53,619
baseline
▲ 0.50% · 4.625%
HK$56,446
+HK$2,827/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,238/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,781 · Scale 2, in force from 26 Feb 2026)