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$25,374
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,163
−HK$802/mo
Today · 4.125%
HK$26,965
baseline
▲ 0.50% · 4.625%
HK$28,606
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,930/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,228
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,985
−HK$768/mo
Today · 4.125%
HK$29,753
baseline
▲ 0.50% · 4.625%
HK$31,321
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,506/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,448
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,395
−HK$963/mo
Today · 4.125%
HK$32,358
baseline
▲ 0.50% · 4.625%
HK$34,327
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,716/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,873
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,782
−HK$922/mo
Today · 4.125%
HK$35,704
baseline
▲ 0.50% · 4.625%
HK$37,586
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,408/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,523
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,628
−HK$1,123/mo
Today · 4.125%
HK$37,751
baseline
▲ 0.50% · 4.625%
HK$40,048
+HK$2,297/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,502/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,519
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,579
−HK$1,075/mo
Today · 4.125%
HK$41,654
baseline
▲ 0.50% · 4.625%
HK$43,850
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,308/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,673
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,093
−HK$1,444/mo
Today · 4.125%
HK$48,537
baseline
▲ 0.50% · 4.625%
HK$51,490
+HK$2,953/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,074/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,810
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,173
−HK$1,382/mo
Today · 4.125%
HK$53,555
baseline
▲ 0.50% · 4.625%
HK$56,378
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,110/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,283 · Scale 2, in force from 26 Feb 2026)