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$25,378
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,168
−HK$802/mo
Today · 4.125%
HK$26,970
baseline
▲ 0.50% · 4.625%
HK$28,611
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,940/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,233
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,990
−HK$768/mo
Today · 4.125%
HK$29,758
baseline
▲ 0.50% · 4.625%
HK$31,327
+HK$1,569/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,516/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,454
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,401
−HK$963/mo
Today · 4.125%
HK$32,364
baseline
▲ 0.50% · 4.625%
HK$34,333
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,728/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,880
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,788
−HK$922/mo
Today · 4.125%
HK$35,710
baseline
▲ 0.50% · 4.625%
HK$37,592
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,420/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,529
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,635
−HK$1,122/mo
Today · 4.125%
HK$37,757
baseline
▲ 0.50% · 4.625%
HK$40,055
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,514/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,526
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,586
−HK$1,076/mo
Today · 4.125%
HK$41,662
baseline
▲ 0.50% · 4.625%
HK$43,858
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,324/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,681
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,102
−HK$1,443/mo
Today · 4.125%
HK$48,545
baseline
▲ 0.50% · 4.625%
HK$51,499
+HK$2,954/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,090/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,819
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,182
−HK$1,383/mo
Today · 4.125%
HK$53,565
baseline
▲ 0.50% · 4.625%
HK$56,388
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,130/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,358 · Scale 2, in force from 26 Feb 2026)