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$25,371
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,160
−HK$802/mo
Today · 4.125%
HK$26,962
baseline
▲ 0.50% · 4.625%
HK$28,603
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,924/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,225
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,982
−HK$768/mo
Today · 4.125%
HK$29,750
baseline
▲ 0.50% · 4.625%
HK$31,318
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,500/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,445
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,392
−HK$963/mo
Today · 4.125%
HK$32,355
baseline
▲ 0.50% · 4.625%
HK$34,323
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,710/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,870
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,779
−HK$921/mo
Today · 4.125%
HK$35,700
baseline
▲ 0.50% · 4.625%
HK$37,582
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,400/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,520
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,625
−HK$1,122/mo
Today · 4.125%
HK$37,747
baseline
▲ 0.50% · 4.625%
HK$40,044
+HK$2,297/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,494/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,515
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,575
−HK$1,075/mo
Today · 4.125%
HK$41,650
baseline
▲ 0.50% · 4.625%
HK$43,846
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,300/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,668
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,089
−HK$1,443/mo
Today · 4.125%
HK$48,532
baseline
▲ 0.50% · 4.625%
HK$51,485
+HK$2,953/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,064/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,805
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,168
−HK$1,382/mo
Today · 4.125%
HK$53,550
baseline
▲ 0.50% · 4.625%
HK$56,373
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,100/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,243 · Scale 2, in force from 26 Feb 2026)