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$25,376
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,165
−HK$802/mo
Today · 4.125%
HK$26,967
baseline
▲ 0.50% · 4.625%
HK$28,608
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,934/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,230
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,987
−HK$768/mo
Today · 4.125%
HK$29,755
baseline
▲ 0.50% · 4.625%
HK$31,324
+HK$1,569/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,510/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,451
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,398
−HK$962/mo
Today · 4.125%
HK$32,360
baseline
▲ 0.50% · 4.625%
HK$34,329
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,720/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,876
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,785
−HK$921/mo
Today · 4.125%
HK$35,706
baseline
▲ 0.50% · 4.625%
HK$37,588
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,412/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,526
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,631
−HK$1,122/mo
Today · 4.125%
HK$37,753
baseline
▲ 0.50% · 4.625%
HK$40,051
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,506/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,522
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,582
−HK$1,075/mo
Today · 4.125%
HK$41,657
baseline
▲ 0.50% · 4.625%
HK$43,853
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,314/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,676
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,097
−HK$1,443/mo
Today · 4.125%
HK$48,540
baseline
▲ 0.50% · 4.625%
HK$51,494
+HK$2,954/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,080/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,814
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,177
−HK$1,382/mo
Today · 4.125%
HK$53,559
baseline
▲ 0.50% · 4.625%
HK$56,382
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,118/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,314 · Scale 2, in force from 26 Feb 2026)