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$25,372
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,161
−HK$802/mo
Today · 4.125%
HK$26,963
baseline
▲ 0.50% · 4.625%
HK$28,604
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,926/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,226
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,983
−HK$768/mo
Today · 4.125%
HK$29,751
baseline
▲ 0.50% · 4.625%
HK$31,320
+HK$1,569/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,502/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,447
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,394
−HK$962/mo
Today · 4.125%
HK$32,356
baseline
▲ 0.50% · 4.625%
HK$34,325
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,712/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,872
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,780
−HK$922/mo
Today · 4.125%
HK$35,702
baseline
▲ 0.50% · 4.625%
HK$37,583
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,404/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,521
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,626
−HK$1,123/mo
Today · 4.125%
HK$37,749
baseline
▲ 0.50% · 4.625%
HK$40,046
+HK$2,297/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,498/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,517
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,577
−HK$1,075/mo
Today · 4.125%
HK$41,652
baseline
▲ 0.50% · 4.625%
HK$43,847
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,304/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,670
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,091
−HK$1,443/mo
Today · 4.125%
HK$48,534
baseline
▲ 0.50% · 4.625%
HK$51,487
+HK$2,953/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,068/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,807
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,170
−HK$1,382/mo
Today · 4.125%
HK$53,552
baseline
▲ 0.50% · 4.625%
HK$56,375
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,104/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,260 · Scale 2, in force from 26 Feb 2026)