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$25,362
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,151
−HK$802/mo
Today · 4.125%
HK$26,953
baseline
▲ 0.50% · 4.625%
HK$28,593
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,906/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,215
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,972
−HK$767/mo
Today · 4.125%
HK$29,739
baseline
▲ 0.50% · 4.625%
HK$31,307
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,478/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,435
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,381
−HK$962/mo
Today · 4.125%
HK$32,343
baseline
▲ 0.50% · 4.625%
HK$34,311
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,686/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,858
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,766
−HK$921/mo
Today · 4.125%
HK$35,687
baseline
▲ 0.50% · 4.625%
HK$37,569
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,374/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,507
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,611
−HK$1,123/mo
Today · 4.125%
HK$37,734
baseline
▲ 0.50% · 4.625%
HK$40,030
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,468/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,501
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,561
−HK$1,074/mo
Today · 4.125%
HK$41,635
baseline
▲ 0.50% · 4.625%
HK$43,830
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,270/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,652
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,072
−HK$1,443/mo
Today · 4.125%
HK$48,515
baseline
▲ 0.50% · 4.625%
HK$51,467
+HK$2,952/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,030/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,787
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,149
−HK$1,382/mo
Today · 4.125%
HK$53,531
baseline
▲ 0.50% · 4.625%
HK$56,353
+HK$2,822/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,062/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,094 · Scale 2, in force from 26 Feb 2026)