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$25,377
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,166
−HK$802/mo
Today · 4.125%
HK$26,968
baseline
▲ 0.50% · 4.625%
HK$28,609
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,936/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,231
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,988
−HK$768/mo
Today · 4.125%
HK$29,756
baseline
▲ 0.50% · 4.625%
HK$31,325
+HK$1,569/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,512/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,452
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,399
−HK$962/mo
Today · 4.125%
HK$32,361
baseline
▲ 0.50% · 4.625%
HK$34,331
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,722/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,877
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,786
−HK$922/mo
Today · 4.125%
HK$35,708
baseline
▲ 0.50% · 4.625%
HK$37,590
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,416/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,527
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,632
−HK$1,123/mo
Today · 4.125%
HK$37,755
baseline
▲ 0.50% · 4.625%
HK$40,052
+HK$2,297/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,510/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,524
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,584
−HK$1,075/mo
Today · 4.125%
HK$41,659
baseline
▲ 0.50% · 4.625%
HK$43,855
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,318/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,678
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,099
−HK$1,443/mo
Today · 4.125%
HK$48,542
baseline
▲ 0.50% · 4.625%
HK$51,496
+HK$2,954/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,084/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,816
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,179
−HK$1,383/mo
Today · 4.125%
HK$53,562
baseline
▲ 0.50% · 4.625%
HK$56,385
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,124/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,331 · Scale 2, in force from 26 Feb 2026)