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$25,373
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,163
−HK$801/mo
Today · 4.125%
HK$26,964
baseline
▲ 0.50% · 4.625%
HK$28,605
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,928/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,228
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,985
−HK$768/mo
Today · 4.125%
HK$29,753
baseline
▲ 0.50% · 4.625%
HK$31,321
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,506/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,448
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,395
−HK$962/mo
Today · 4.125%
HK$32,357
baseline
▲ 0.50% · 4.625%
HK$34,326
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,714/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,873
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,782
−HK$921/mo
Today · 4.125%
HK$35,703
baseline
▲ 0.50% · 4.625%
HK$37,585
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,406/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,523
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,628
−HK$1,122/mo
Today · 4.125%
HK$37,750
baseline
▲ 0.50% · 4.625%
HK$40,047
+HK$2,297/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,500/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,519
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,578
−HK$1,076/mo
Today · 4.125%
HK$41,654
baseline
▲ 0.50% · 4.625%
HK$43,849
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,308/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,672
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,093
−HK$1,443/mo
Today · 4.125%
HK$48,536
baseline
▲ 0.50% · 4.625%
HK$51,489
+HK$2,953/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,072/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,810
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,172
−HK$1,383/mo
Today · 4.125%
HK$53,555
baseline
▲ 0.50% · 4.625%
HK$56,378
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,110/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,278 · Scale 2, in force from 26 Feb 2026)