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$25,352
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,140
−HK$802/mo
Today · 4.125%
HK$26,942
baseline
▲ 0.50% · 4.625%
HK$28,581
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,884/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,204
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,960
−HK$767/mo
Today · 4.125%
HK$29,727
baseline
▲ 0.50% · 4.625%
HK$31,294
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,454/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,422
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,368
−HK$962/mo
Today · 4.125%
HK$32,330
baseline
▲ 0.50% · 4.625%
HK$34,297
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,660/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,844
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,752
−HK$921/mo
Today · 4.125%
HK$35,673
baseline
▲ 0.50% · 4.625%
HK$37,553
+HK$1,880/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,346/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,492
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,596
−HK$1,122/mo
Today · 4.125%
HK$37,718
baseline
▲ 0.50% · 4.625%
HK$40,013
+HK$2,295/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,436/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,485
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,544
−HK$1,074/mo
Today · 4.125%
HK$41,618
baseline
▲ 0.50% · 4.625%
HK$43,812
+HK$2,194/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,236/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,633
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,053
−HK$1,442/mo
Today · 4.125%
HK$48,495
baseline
▲ 0.50% · 4.625%
HK$51,446
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$96,990/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,766
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,128
−HK$1,381/mo
Today · 4.125%
HK$53,509
baseline
▲ 0.50% · 4.625%
HK$56,330
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,018/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,924 · Scale 2, in force from 26 Feb 2026)