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$25,353
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,141
−HK$802/mo
Today · 4.125%
HK$26,943
baseline
▲ 0.50% · 4.625%
HK$28,582
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,886/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,205
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,961
−HK$768/mo
Today · 4.125%
HK$29,729
baseline
▲ 0.50% · 4.625%
HK$31,296
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,458/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,423
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,370
−HK$961/mo
Today · 4.125%
HK$32,331
baseline
▲ 0.50% · 4.625%
HK$34,299
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,662/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,846
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,753
−HK$921/mo
Today · 4.125%
HK$35,674
baseline
▲ 0.50% · 4.625%
HK$37,555
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,348/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,494
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,598
−HK$1,122/mo
Today · 4.125%
HK$37,720
baseline
▲ 0.50% · 4.625%
HK$40,015
+HK$2,295/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,440/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,487
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,546
−HK$1,074/mo
Today · 4.125%
HK$41,620
baseline
▲ 0.50% · 4.625%
HK$43,814
+HK$2,194/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,240/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,635
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,055
−HK$1,442/mo
Today · 4.125%
HK$48,497
baseline
▲ 0.50% · 4.625%
HK$51,448
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$96,994/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,769
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,130
−HK$1,382/mo
Today · 4.125%
HK$53,512
baseline
▲ 0.50% · 4.625%
HK$56,332
+HK$2,820/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,024/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,942 · Scale 2, in force from 26 Feb 2026)