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$25,361
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,150
−HK$801/mo
Today · 4.125%
HK$26,951
baseline
▲ 0.50% · 4.625%
HK$28,591
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,902/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,214
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,971
−HK$767/mo
Today · 4.125%
HK$29,738
baseline
▲ 0.50% · 4.625%
HK$31,306
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,476/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,433
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,380
−HK$962/mo
Today · 4.125%
HK$32,342
baseline
▲ 0.50% · 4.625%
HK$34,310
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,684/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,857
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,765
−HK$921/mo
Today · 4.125%
HK$35,686
baseline
▲ 0.50% · 4.625%
HK$37,567
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,372/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,505
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,610
−HK$1,122/mo
Today · 4.125%
HK$37,732
baseline
▲ 0.50% · 4.625%
HK$40,028
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,464/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,499
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,559
−HK$1,074/mo
Today · 4.125%
HK$41,633
baseline
▲ 0.50% · 4.625%
HK$43,828
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,266/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,650
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,070
−HK$1,443/mo
Today · 4.125%
HK$48,513
baseline
▲ 0.50% · 4.625%
HK$51,464
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,026/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,785
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,147
−HK$1,382/mo
Today · 4.125%
HK$53,529
baseline
▲ 0.50% · 4.625%
HK$56,350
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,058/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,076 · Scale 2, in force from 26 Feb 2026)