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$25,363
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,151
−HK$802/mo
Today · 4.125%
HK$26,953
baseline
▲ 0.50% · 4.625%
HK$28,593
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,906/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,216
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,972
−HK$768/mo
Today · 4.125%
HK$29,740
baseline
▲ 0.50% · 4.625%
HK$31,308
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,480/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,435
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,382
−HK$962/mo
Today · 4.125%
HK$32,344
baseline
▲ 0.50% · 4.625%
HK$34,312
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,688/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,859
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,767
−HK$921/mo
Today · 4.125%
HK$35,688
baseline
▲ 0.50% · 4.625%
HK$37,569
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,376/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,508
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,612
−HK$1,122/mo
Today · 4.125%
HK$37,734
baseline
▲ 0.50% · 4.625%
HK$40,030
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,468/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,502
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,561
−HK$1,075/mo
Today · 4.125%
HK$41,636
baseline
▲ 0.50% · 4.625%
HK$43,831
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,272/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,653
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,073
−HK$1,442/mo
Today · 4.125%
HK$48,515
baseline
▲ 0.50% · 4.625%
HK$51,467
+HK$2,952/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,030/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,788
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,150
−HK$1,382/mo
Today · 4.125%
HK$53,532
baseline
▲ 0.50% · 4.625%
HK$56,354
+HK$2,822/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,064/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,100 · Scale 2, in force from 26 Feb 2026)