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$25,410
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,201
−HK$803/mo
Today · 4.125%
HK$27,004
baseline
▲ 0.50% · 4.625%
HK$28,647
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$54,008/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,268
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,027
−HK$769/mo
Today · 4.125%
HK$29,796
baseline
▲ 0.50% · 4.625%
HK$31,366
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,592/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,492
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,441
−HK$963/mo
Today · 4.125%
HK$32,404
baseline
▲ 0.50% · 4.625%
HK$34,376
+HK$1,972/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,808/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,922
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,832
−HK$923/mo
Today · 4.125%
HK$35,755
baseline
▲ 0.50% · 4.625%
HK$37,640
+HK$1,885/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,510/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$417,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,574
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,681
−HK$1,124/mo
Today · 4.125%
HK$37,805
baseline
▲ 0.50% · 4.625%
HK$40,105
+HK$2,300/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,610/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,576
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,637
−HK$1,077/mo
Today · 4.125%
HK$41,714
baseline
▲ 0.50% · 4.625%
HK$43,913
+HK$2,199/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,428/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,738
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,161
−HK$1,445/mo
Today · 4.125%
HK$48,606
baseline
▲ 0.50% · 4.625%
HK$51,564
+HK$2,958/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,212/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,883
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,248
−HK$1,384/mo
Today · 4.125%
HK$53,632
baseline
▲ 0.50% · 4.625%
HK$56,459
+HK$2,827/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,264/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,883 · Scale 2, in force from 26 Feb 2026)