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$25,367
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,157
−HK$801/mo
Today · 4.125%
HK$26,958
baseline
▲ 0.50% · 4.625%
HK$28,599
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,916/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,221
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,978
−HK$768/mo
Today · 4.125%
HK$29,746
baseline
▲ 0.50% · 4.625%
HK$31,314
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,492/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,441
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,388
−HK$962/mo
Today · 4.125%
HK$32,350
baseline
▲ 0.50% · 4.625%
HK$34,318
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,700/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,865
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,773
−HK$922/mo
Today · 4.125%
HK$35,695
baseline
▲ 0.50% · 4.625%
HK$37,576
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,390/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,514
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,619
−HK$1,122/mo
Today · 4.125%
HK$37,741
baseline
▲ 0.50% · 4.625%
HK$40,038
+HK$2,297/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,482/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,509
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,569
−HK$1,075/mo
Today · 4.125%
HK$41,644
baseline
▲ 0.50% · 4.625%
HK$43,839
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,288/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,661
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,082
−HK$1,443/mo
Today · 4.125%
HK$48,525
baseline
▲ 0.50% · 4.625%
HK$51,477
+HK$2,952/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,050/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,798
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,160
−HK$1,382/mo
Today · 4.125%
HK$53,542
baseline
▲ 0.50% · 4.625%
HK$56,365
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,084/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,181 · Scale 2, in force from 26 Feb 2026)