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$25,364
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,153
−HK$801/mo
Today · 4.125%
HK$26,954
baseline
▲ 0.50% · 4.625%
HK$28,594
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,908/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,217
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,974
−HK$767/mo
Today · 4.125%
HK$29,741
baseline
▲ 0.50% · 4.625%
HK$31,309
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,482/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,436
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,383
−HK$962/mo
Today · 4.125%
HK$32,345
baseline
▲ 0.50% · 4.625%
HK$34,313
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,690/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,860
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,768
−HK$922/mo
Today · 4.125%
HK$35,690
baseline
▲ 0.50% · 4.625%
HK$37,571
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,380/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,509
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,614
−HK$1,122/mo
Today · 4.125%
HK$37,736
baseline
▲ 0.50% · 4.625%
HK$40,032
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,472/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,504
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,563
−HK$1,075/mo
Today · 4.125%
HK$41,638
baseline
▲ 0.50% · 4.625%
HK$43,833
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,276/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,655
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,075
−HK$1,443/mo
Today · 4.125%
HK$48,518
baseline
▲ 0.50% · 4.625%
HK$51,470
+HK$2,952/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,036/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,790
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,153
−HK$1,381/mo
Today · 4.125%
HK$53,534
baseline
▲ 0.50% · 4.625%
HK$56,356
+HK$2,822/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,068/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,120 · Scale 2, in force from 26 Feb 2026)