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$25,360
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,149
−HK$801/mo
Today · 4.125%
HK$26,950
baseline
▲ 0.50% · 4.625%
HK$28,590
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,900/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,212
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,969
−HK$768/mo
Today · 4.125%
HK$29,737
baseline
▲ 0.50% · 4.625%
HK$31,304
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,474/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,432
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,378
−HK$962/mo
Today · 4.125%
HK$32,340
baseline
▲ 0.50% · 4.625%
HK$34,308
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,680/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,855
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,763
−HK$921/mo
Today · 4.125%
HK$35,684
baseline
▲ 0.50% · 4.625%
HK$37,565
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,368/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,504
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,608
−HK$1,122/mo
Today · 4.125%
HK$37,730
baseline
▲ 0.50% · 4.625%
HK$40,026
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,460/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,497
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,557
−HK$1,074/mo
Today · 4.125%
HK$41,631
baseline
▲ 0.50% · 4.625%
HK$43,826
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,262/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,647
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,067
−HK$1,443/mo
Today · 4.125%
HK$48,510
baseline
▲ 0.50% · 4.625%
HK$51,462
+HK$2,952/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,020/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,782
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,144
−HK$1,382/mo
Today · 4.125%
HK$53,526
baseline
▲ 0.50% · 4.625%
HK$56,347
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,052/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,054 · Scale 2, in force from 26 Feb 2026)