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$25,353
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,142
−HK$801/mo
Today · 4.125%
HK$26,943
baseline
▲ 0.50% · 4.625%
HK$28,583
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,886/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,205
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,962
−HK$767/mo
Today · 4.125%
HK$29,729
baseline
▲ 0.50% · 4.625%
HK$31,296
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,458/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,424
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,370
−HK$962/mo
Today · 4.125%
HK$32,332
baseline
▲ 0.50% · 4.625%
HK$34,299
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,664/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,846
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,754
−HK$921/mo
Today · 4.125%
HK$35,675
baseline
▲ 0.50% · 4.625%
HK$37,555
+HK$1,880/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,350/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,495
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,599
−HK$1,121/mo
Today · 4.125%
HK$37,720
baseline
▲ 0.50% · 4.625%
HK$40,016
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,440/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,487
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,546
−HK$1,075/mo
Today · 4.125%
HK$41,621
baseline
▲ 0.50% · 4.625%
HK$43,815
+HK$2,194/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,242/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,636
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,055
−HK$1,443/mo
Today · 4.125%
HK$48,498
baseline
▲ 0.50% · 4.625%
HK$51,449
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$96,996/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,770
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,131
−HK$1,381/mo
Today · 4.125%
HK$53,512
baseline
▲ 0.50% · 4.625%
HK$56,333
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,024/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,948 · Scale 2, in force from 26 Feb 2026)