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$25,367
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,156
−HK$802/mo
Today · 4.125%
HK$26,958
baseline
▲ 0.50% · 4.625%
HK$28,598
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,916/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,221
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,978
−HK$767/mo
Today · 4.125%
HK$29,745
baseline
▲ 0.50% · 4.625%
HK$31,313
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,490/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,441
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,387
−HK$962/mo
Today · 4.125%
HK$32,349
baseline
▲ 0.50% · 4.625%
HK$34,318
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,698/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,865
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,773
−HK$921/mo
Today · 4.125%
HK$35,694
baseline
▲ 0.50% · 4.625%
HK$37,576
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,388/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,514
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,619
−HK$1,122/mo
Today · 4.125%
HK$37,741
baseline
▲ 0.50% · 4.625%
HK$40,037
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,482/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,509
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,569
−HK$1,074/mo
Today · 4.125%
HK$41,643
baseline
▲ 0.50% · 4.625%
HK$43,839
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,286/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,661
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,081
−HK$1,443/mo
Today · 4.125%
HK$48,524
baseline
▲ 0.50% · 4.625%
HK$51,477
+HK$2,953/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,048/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,797
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,160
−HK$1,382/mo
Today · 4.125%
HK$53,542
baseline
▲ 0.50% · 4.625%
HK$56,364
+HK$2,822/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,084/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,176 · Scale 2, in force from 26 Feb 2026)