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$25,356
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,145
−HK$801/mo
Today · 4.125%
HK$26,946
baseline
▲ 0.50% · 4.625%
HK$28,586
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,892/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,208
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,965
−HK$767/mo
Today · 4.125%
HK$29,732
baseline
▲ 0.50% · 4.625%
HK$31,300
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,464/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,427
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,374
−HK$961/mo
Today · 4.125%
HK$32,335
baseline
▲ 0.50% · 4.625%
HK$34,303
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,670/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,850
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,758
−HK$921/mo
Today · 4.125%
HK$35,679
baseline
▲ 0.50% · 4.625%
HK$37,560
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,358/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,499
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,603
−HK$1,122/mo
Today · 4.125%
HK$37,725
baseline
▲ 0.50% · 4.625%
HK$40,020
+HK$2,295/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,450/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,492
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,551
−HK$1,074/mo
Today · 4.125%
HK$41,625
baseline
▲ 0.50% · 4.625%
HK$43,819
+HK$2,194/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,250/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,641
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,061
−HK$1,442/mo
Today · 4.125%
HK$48,503
baseline
▲ 0.50% · 4.625%
HK$51,454
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,006/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,775
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,137
−HK$1,381/mo
Today · 4.125%
HK$53,518
baseline
▲ 0.50% · 4.625%
HK$56,339
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,036/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,994 · Scale 2, in force from 26 Feb 2026)