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$25,357
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,146
−HK$801/mo
Today · 4.125%
HK$26,947
baseline
▲ 0.50% · 4.625%
HK$28,587
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,894/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,209
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,966
−HK$767/mo
Today · 4.125%
HK$29,733
baseline
▲ 0.50% · 4.625%
HK$31,301
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,466/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,428
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,375
−HK$962/mo
Today · 4.125%
HK$32,337
baseline
▲ 0.50% · 4.625%
HK$34,304
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,674/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,851
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,759
−HK$921/mo
Today · 4.125%
HK$35,680
baseline
▲ 0.50% · 4.625%
HK$37,561
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,360/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,500
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,604
−HK$1,122/mo
Today · 4.125%
HK$37,726
baseline
▲ 0.50% · 4.625%
HK$40,021
+HK$2,295/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,452/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,493
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,552
−HK$1,075/mo
Today · 4.125%
HK$41,627
baseline
▲ 0.50% · 4.625%
HK$43,821
+HK$2,194/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,254/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,643
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,062
−HK$1,443/mo
Today · 4.125%
HK$48,505
baseline
▲ 0.50% · 4.625%
HK$51,456
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,010/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,777
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,139
−HK$1,381/mo
Today · 4.125%
HK$53,520
baseline
▲ 0.50% · 4.625%
HK$56,341
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,040/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,010 · Scale 2, in force from 26 Feb 2026)