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$25,361
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,149
−HK$802/mo
Today · 4.125%
HK$26,951
baseline
▲ 0.50% · 4.625%
HK$28,591
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,902/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,213
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,970
−HK$768/mo
Today · 4.125%
HK$29,738
baseline
▲ 0.50% · 4.625%
HK$31,305
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,476/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,433
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,379
−HK$962/mo
Today · 4.125%
HK$32,341
baseline
▲ 0.50% · 4.625%
HK$34,309
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,682/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,856
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,764
−HK$921/mo
Today · 4.125%
HK$35,685
baseline
▲ 0.50% · 4.625%
HK$37,566
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,370/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,505
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,609
−HK$1,122/mo
Today · 4.125%
HK$37,731
baseline
▲ 0.50% · 4.625%
HK$40,027
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,462/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,499
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,558
−HK$1,075/mo
Today · 4.125%
HK$41,633
baseline
▲ 0.50% · 4.625%
HK$43,827
+HK$2,194/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,266/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,649
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,069
−HK$1,443/mo
Today · 4.125%
HK$48,512
baseline
▲ 0.50% · 4.625%
HK$51,464
+HK$2,952/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,024/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,784
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,146
−HK$1,382/mo
Today · 4.125%
HK$53,528
baseline
▲ 0.50% · 4.625%
HK$56,349
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,056/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,069 · Scale 2, in force from 26 Feb 2026)