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$25,350
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,139
−HK$801/mo
Today · 4.125%
HK$26,940
baseline
▲ 0.50% · 4.625%
HK$28,579
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,880/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,202
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,958
−HK$767/mo
Today · 4.125%
HK$29,725
baseline
▲ 0.50% · 4.625%
HK$31,292
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,450/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,420
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,366
−HK$962/mo
Today · 4.125%
HK$32,328
baseline
▲ 0.50% · 4.625%
HK$34,295
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,656/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,842
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,750
−HK$920/mo
Today · 4.125%
HK$35,670
baseline
▲ 0.50% · 4.625%
HK$37,551
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,340/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,490
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,594
−HK$1,122/mo
Today · 4.125%
HK$37,716
baseline
▲ 0.50% · 4.625%
HK$40,010
+HK$2,294/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,432/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,482
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,541
−HK$1,074/mo
Today · 4.125%
HK$41,615
baseline
▲ 0.50% · 4.625%
HK$43,809
+HK$2,194/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,230/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,630
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,049
−HK$1,442/mo
Today · 4.125%
HK$48,491
baseline
▲ 0.50% · 4.625%
HK$51,442
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$96,982/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,763
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,124
−HK$1,382/mo
Today · 4.125%
HK$53,506
baseline
▲ 0.50% · 4.625%
HK$56,326
+HK$2,820/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,012/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,895 · Scale 2, in force from 26 Feb 2026)