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$25,366
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,155
−HK$801/mo
Today · 4.125%
HK$26,956
baseline
▲ 0.50% · 4.625%
HK$28,597
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,912/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,219
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,976
−HK$768/mo
Today · 4.125%
HK$29,744
baseline
▲ 0.50% · 4.625%
HK$31,312
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,488/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,439
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,386
−HK$962/mo
Today · 4.125%
HK$32,348
baseline
▲ 0.50% · 4.625%
HK$34,316
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,696/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,863
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,771
−HK$921/mo
Today · 4.125%
HK$35,692
baseline
▲ 0.50% · 4.625%
HK$37,574
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,384/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,512
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,617
−HK$1,122/mo
Today · 4.125%
HK$37,739
baseline
▲ 0.50% · 4.625%
HK$40,035
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,478/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,507
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,566
−HK$1,075/mo
Today · 4.125%
HK$41,641
baseline
▲ 0.50% · 4.625%
HK$43,836
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,282/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,658
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,079
−HK$1,442/mo
Today · 4.125%
HK$48,521
baseline
▲ 0.50% · 4.625%
HK$51,474
+HK$2,953/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,042/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,794
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,157
−HK$1,382/mo
Today · 4.125%
HK$53,539
baseline
▲ 0.50% · 4.625%
HK$56,361
+HK$2,822/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,078/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,153 · Scale 2, in force from 26 Feb 2026)