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$25,375
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,164
−HK$802/mo
Today · 4.125%
HK$26,966
baseline
▲ 0.50% · 4.625%
HK$28,607
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,932/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,229
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,986
−HK$768/mo
Today · 4.125%
HK$29,754
baseline
▲ 0.50% · 4.625%
HK$31,322
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,508/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,449
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,397
−HK$962/mo
Today · 4.125%
HK$32,359
baseline
▲ 0.50% · 4.625%
HK$34,328
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,718/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,875
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,783
−HK$922/mo
Today · 4.125%
HK$35,705
baseline
▲ 0.50% · 4.625%
HK$37,587
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,410/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,524
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,629
−HK$1,123/mo
Today · 4.125%
HK$37,752
baseline
▲ 0.50% · 4.625%
HK$40,049
+HK$2,297/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,504/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,520
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,580
−HK$1,076/mo
Today · 4.125%
HK$41,656
baseline
▲ 0.50% · 4.625%
HK$43,851
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,312/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,674
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,095
−HK$1,443/mo
Today · 4.125%
HK$48,538
baseline
▲ 0.50% · 4.625%
HK$51,492
+HK$2,954/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,076/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,812
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,175
−HK$1,382/mo
Today · 4.125%
HK$53,557
baseline
▲ 0.50% · 4.625%
HK$56,380
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,114/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,297 · Scale 2, in force from 26 Feb 2026)