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$25,358
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,147
−HK$801/mo
Today · 4.125%
HK$26,948
baseline
▲ 0.50% · 4.625%
HK$28,588
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,896/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,211
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,967
−HK$768/mo
Today · 4.125%
HK$29,735
baseline
▲ 0.50% · 4.625%
HK$31,302
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,470/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,430
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,376
−HK$962/mo
Today · 4.125%
HK$32,338
baseline
▲ 0.50% · 4.625%
HK$34,306
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,676/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,853
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,761
−HK$921/mo
Today · 4.125%
HK$35,682
baseline
▲ 0.50% · 4.625%
HK$37,563
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,364/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,501
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,606
−HK$1,122/mo
Today · 4.125%
HK$37,728
baseline
▲ 0.50% · 4.625%
HK$40,023
+HK$2,295/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,456/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,495
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,554
−HK$1,075/mo
Today · 4.125%
HK$41,629
baseline
▲ 0.50% · 4.625%
HK$43,823
+HK$2,194/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,258/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,645
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,065
−HK$1,442/mo
Today · 4.125%
HK$48,507
baseline
▲ 0.50% · 4.625%
HK$51,459
+HK$2,952/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,014/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,779
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,141
−HK$1,382/mo
Today · 4.125%
HK$53,523
baseline
▲ 0.50% · 4.625%
HK$56,344
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,046/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,029 · Scale 2, in force from 26 Feb 2026)