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$25,354
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,142
−HK$802/mo
Today · 4.125%
HK$26,944
baseline
▲ 0.50% · 4.625%
HK$28,583
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,888/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,206
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,962
−HK$768/mo
Today · 4.125%
HK$29,730
baseline
▲ 0.50% · 4.625%
HK$31,297
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,460/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,424
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,371
−HK$961/mo
Today · 4.125%
HK$32,332
baseline
▲ 0.50% · 4.625%
HK$34,300
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,664/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,847
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,755
−HK$921/mo
Today · 4.125%
HK$35,676
baseline
▲ 0.50% · 4.625%
HK$37,556
+HK$1,880/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,352/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,495
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,599
−HK$1,122/mo
Today · 4.125%
HK$37,721
baseline
▲ 0.50% · 4.625%
HK$40,016
+HK$2,295/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,442/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,488
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,547
−HK$1,074/mo
Today · 4.125%
HK$41,621
baseline
▲ 0.50% · 4.625%
HK$43,815
+HK$2,194/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,242/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,637
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,056
−HK$1,442/mo
Today · 4.125%
HK$48,498
baseline
▲ 0.50% · 4.625%
HK$51,449
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$96,996/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,770
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,132
−HK$1,381/mo
Today · 4.125%
HK$53,513
baseline
▲ 0.50% · 4.625%
HK$56,334
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,026/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,955 · Scale 2, in force from 26 Feb 2026)