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$25,351
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,140
−HK$801/mo
Today · 4.125%
HK$26,941
baseline
▲ 0.50% · 4.625%
HK$28,580
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,882/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,203
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,959
−HK$767/mo
Today · 4.125%
HK$29,726
baseline
▲ 0.50% · 4.625%
HK$31,293
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,452/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,421
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,367
−HK$962/mo
Today · 4.125%
HK$32,329
baseline
▲ 0.50% · 4.625%
HK$34,296
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,658/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,843
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,751
−HK$921/mo
Today · 4.125%
HK$35,672
baseline
▲ 0.50% · 4.625%
HK$37,552
+HK$1,880/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,344/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,491
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,595
−HK$1,122/mo
Today · 4.125%
HK$37,717
baseline
▲ 0.50% · 4.625%
HK$40,012
+HK$2,295/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,434/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,484
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,543
−HK$1,074/mo
Today · 4.125%
HK$41,617
baseline
▲ 0.50% · 4.625%
HK$43,811
+HK$2,194/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,234/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,632
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,051
−HK$1,442/mo
Today · 4.125%
HK$48,493
baseline
▲ 0.50% · 4.625%
HK$51,444
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$96,986/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,765
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,126
−HK$1,381/mo
Today · 4.125%
HK$53,507
baseline
▲ 0.50% · 4.625%
HK$56,328
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,014/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,910 · Scale 2, in force from 26 Feb 2026)