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$1,591/mo
▼ 0.25% · 3.875%
HK$26,167
−HK$802/mo
Today · 4.125%
HK$26,969
baseline
▲ 0.50% · 4.625%
HK$28,610
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,938/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,351 · 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$31,326
+HK$1,568/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$417,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,453
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,401
−HK$962/mo
Today · 4.125%
HK$32,363
baseline
▲ 0.50% · 4.625%
HK$34,332
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,726/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,879
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,788
−HK$921/mo
Today · 4.125%
HK$35,709
baseline
▲ 0.50% · 4.625%
HK$37,592
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,418/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,529
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,634
−HK$1,123/mo
Today · 4.125%
HK$37,757
baseline
▲ 0.50% · 4.625%
HK$40,054
+HK$2,297/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$417,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,526
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,586
−HK$1,075/mo
Today · 4.125%
HK$41,661
baseline
▲ 0.50% · 4.625%
HK$43,857
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,322/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,680
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,101
−HK$1,444/mo
Today · 4.125%
HK$48,545
baseline
▲ 0.50% · 4.625%
HK$51,498
+HK$2,953/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$417,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,819
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,181
−HK$1,383/mo
Today · 4.125%
HK$53,564
baseline
▲ 0.50% · 4.625%
HK$56,388
+HK$2,824/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,128/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,351 · Scale 2, in force from 26 Feb 2026)