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$25,370
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,159
−HK$802/mo
Today · 4.125%
HK$26,961
baseline
▲ 0.50% · 4.625%
HK$28,602
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,922/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,224
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,981
−HK$768/mo
Today · 4.125%
HK$29,749
baseline
▲ 0.50% · 4.625%
HK$31,317
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,498/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,444
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,391
−HK$962/mo
Today · 4.125%
HK$32,353
baseline
▲ 0.50% · 4.625%
HK$34,322
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,706/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,869
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,777
−HK$922/mo
Today · 4.125%
HK$35,699
baseline
▲ 0.50% · 4.625%
HK$37,581
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,398/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,518
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,623
−HK$1,123/mo
Today · 4.125%
HK$37,746
baseline
▲ 0.50% · 4.625%
HK$40,042
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,492/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,514
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,574
−HK$1,075/mo
Today · 4.125%
HK$41,649
baseline
▲ 0.50% · 4.625%
HK$43,844
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,298/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,666
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,087
−HK$1,443/mo
Today · 4.125%
HK$48,530
baseline
▲ 0.50% · 4.625%
HK$51,483
+HK$2,953/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,060/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,803
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,166
−HK$1,382/mo
Today · 4.125%
HK$53,548
baseline
▲ 0.50% · 4.625%
HK$56,371
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,096/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,227 · Scale 2, in force from 26 Feb 2026)