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$25,349
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,138
−HK$801/mo
Today · 4.125%
HK$26,939
baseline
▲ 0.50% · 4.625%
HK$28,578
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,878/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,201
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,957
−HK$767/mo
Today · 4.125%
HK$29,724
baseline
▲ 0.50% · 4.625%
HK$31,291
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,448/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,419
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,365
−HK$961/mo
Today · 4.125%
HK$32,326
baseline
▲ 0.50% · 4.625%
HK$34,293
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,652/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,841
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,748
−HK$921/mo
Today · 4.125%
HK$35,669
baseline
▲ 0.50% · 4.625%
HK$37,549
+HK$1,880/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,338/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,489
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,593
−HK$1,121/mo
Today · 4.125%
HK$37,714
baseline
▲ 0.50% · 4.625%
HK$40,009
+HK$2,295/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,428/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,481
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,540
−HK$1,074/mo
Today · 4.125%
HK$41,614
baseline
▲ 0.50% · 4.625%
HK$43,807
+HK$2,193/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,228/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,628
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,048
−HK$1,442/mo
Today · 4.125%
HK$48,490
baseline
▲ 0.50% · 4.625%
HK$51,440
+HK$2,950/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$96,980/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,761
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,123
−HK$1,381/mo
Today · 4.125%
HK$53,504
baseline
▲ 0.50% · 4.625%
HK$56,324
+HK$2,820/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,008/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,880 · Scale 2, in force from 26 Feb 2026)