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$25,352
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,141
−HK$801/mo
Today · 4.125%
HK$26,942
baseline
▲ 0.50% · 4.625%
HK$28,582
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,884/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,204
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,961
−HK$767/mo
Today · 4.125%
HK$29,728
baseline
▲ 0.50% · 4.625%
HK$31,295
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,456/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,423
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,369
−HK$962/mo
Today · 4.125%
HK$32,331
baseline
▲ 0.50% · 4.625%
HK$34,298
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,662/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,845
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,753
−HK$921/mo
Today · 4.125%
HK$35,674
baseline
▲ 0.50% · 4.625%
HK$37,554
+HK$1,880/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,348/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,493
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,597
−HK$1,122/mo
Today · 4.125%
HK$37,719
baseline
▲ 0.50% · 4.625%
HK$40,014
+HK$2,295/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,438/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,486
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,545
−HK$1,074/mo
Today · 4.125%
HK$41,619
baseline
▲ 0.50% · 4.625%
HK$43,813
+HK$2,194/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,238/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,634
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,054
−HK$1,442/mo
Today · 4.125%
HK$48,496
baseline
▲ 0.50% · 4.625%
HK$51,447
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$96,992/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,768
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,129
−HK$1,382/mo
Today · 4.125%
HK$53,511
baseline
▲ 0.50% · 4.625%
HK$56,331
+HK$2,820/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,022/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,934 · Scale 2, in force from 26 Feb 2026)