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$417,290 · 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$31,322
+HK$1,569/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$417,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,449
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,396
−HK$962/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$417,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,874
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,783
−HK$921/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$417,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,524
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,629
−HK$1,122/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$417,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,520
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,580
−HK$1,075/mo
Today · 4.125%
HK$41,655
baseline
▲ 0.50% · 4.625%
HK$43,851
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,310/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,673
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,094
−HK$1,443/mo
Today · 4.125%
HK$48,537
baseline
▲ 0.50% · 4.625%
HK$51,491
+HK$2,954/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$417,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,811
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,174
−HK$1,382/mo
Today · 4.125%
HK$53,556
baseline
▲ 0.50% · 4.625%
HK$56,379
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,112/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,290 · Scale 2, in force from 26 Feb 2026)