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$25,355
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,144
−HK$801/mo
Today · 4.125%
HK$26,945
baseline
▲ 0.50% · 4.625%
HK$28,584
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,890/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,207
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,964
−HK$767/mo
Today · 4.125%
HK$29,731
baseline
▲ 0.50% · 4.625%
HK$31,298
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,462/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,426
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,372
−HK$962/mo
Today · 4.125%
HK$32,334
baseline
▲ 0.50% · 4.625%
HK$34,301
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,668/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,849
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,756
−HK$921/mo
Today · 4.125%
HK$35,677
baseline
▲ 0.50% · 4.625%
HK$37,558
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,354/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,497
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,601
−HK$1,122/mo
Today · 4.125%
HK$37,723
baseline
▲ 0.50% · 4.625%
HK$40,018
+HK$2,295/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,446/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,490
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,549
−HK$1,074/mo
Today · 4.125%
HK$41,623
baseline
▲ 0.50% · 4.625%
HK$43,818
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,246/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,639
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,059
−HK$1,442/mo
Today · 4.125%
HK$48,501
baseline
▲ 0.50% · 4.625%
HK$51,452
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,002/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,773
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,134
−HK$1,382/mo
Today · 4.125%
HK$53,516
baseline
▲ 0.50% · 4.625%
HK$56,337
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,032/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,976 · Scale 2, in force from 26 Feb 2026)