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$1,592/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$417,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,232
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,989
−HK$769/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$417,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,453
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,400
−HK$963/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$417,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,879
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,787
−HK$922/mo
Today · 4.125%
HK$35,709
baseline
▲ 0.50% · 4.625%
HK$37,591
+HK$1,882/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$417,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,528
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,634
−HK$1,122/mo
Today · 4.125%
HK$37,756
baseline
▲ 0.50% · 4.625%
HK$40,054
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,512/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,525
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,585
−HK$1,076/mo
Today · 4.125%
HK$41,661
baseline
▲ 0.50% · 4.625%
HK$43,856
+HK$2,195/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$417,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,679
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,100
−HK$1,444/mo
Today · 4.125%
HK$48,544
baseline
▲ 0.50% · 4.625%
HK$51,498
+HK$2,954/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,088/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,818
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,181
−HK$1,383/mo
Today · 4.125%
HK$53,564
baseline
▲ 0.50% · 4.625%
HK$56,387
+HK$2,823/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$417,347 · Scale 2, in force from 26 Feb 2026)