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$25,368
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,157
−HK$802/mo
Today · 4.125%
HK$26,959
baseline
▲ 0.50% · 4.625%
HK$28,600
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,918/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,222
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,979
−HK$768/mo
Today · 4.125%
HK$29,747
baseline
▲ 0.50% · 4.625%
HK$31,315
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,494/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,442
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,389
−HK$962/mo
Today · 4.125%
HK$32,351
baseline
▲ 0.50% · 4.625%
HK$34,319
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,702/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,866
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,775
−HK$921/mo
Today · 4.125%
HK$35,696
baseline
▲ 0.50% · 4.625%
HK$37,578
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,392/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,516
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,620
−HK$1,123/mo
Today · 4.125%
HK$37,743
baseline
▲ 0.50% · 4.625%
HK$40,039
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,486/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,511
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,570
−HK$1,075/mo
Today · 4.125%
HK$41,645
baseline
▲ 0.50% · 4.625%
HK$43,841
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,290/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,663
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,083
−HK$1,443/mo
Today · 4.125%
HK$48,526
baseline
▲ 0.50% · 4.625%
HK$51,479
+HK$2,953/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,052/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,800
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,162
−HK$1,382/mo
Today · 4.125%
HK$53,544
baseline
▲ 0.50% · 4.625%
HK$56,367
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,088/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,196 · Scale 2, in force from 26 Feb 2026)