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$25,355
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,143
−HK$801/mo
Today · 4.125%
HK$26,944
baseline
▲ 0.50% · 4.625%
HK$28,584
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,888/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,207
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,963
−HK$768/mo
Today · 4.125%
HK$29,731
baseline
▲ 0.50% · 4.625%
HK$31,298
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,462/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,425
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,372
−HK$961/mo
Today · 4.125%
HK$32,333
baseline
▲ 0.50% · 4.625%
HK$34,301
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,666/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,848
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,756
−HK$921/mo
Today · 4.125%
HK$35,677
baseline
▲ 0.50% · 4.625%
HK$37,557
+HK$1,880/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,354/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,496
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,600
−HK$1,122/mo
Today · 4.125%
HK$37,722
baseline
▲ 0.50% · 4.625%
HK$40,018
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,444/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,489
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,548
−HK$1,075/mo
Today · 4.125%
HK$41,623
baseline
▲ 0.50% · 4.625%
HK$43,817
+HK$2,194/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,246/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,638
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,058
−HK$1,442/mo
Today · 4.125%
HK$48,500
baseline
▲ 0.50% · 4.625%
HK$51,451
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,000/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,772
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,134
−HK$1,381/mo
Today · 4.125%
HK$53,515
baseline
▲ 0.50% · 4.625%
HK$56,336
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,030/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,969 · Scale 2, in force from 26 Feb 2026)