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$1,591/mo
▼ 0.25% · 3.875%
HK$26,144
−HK$802/mo
Today · 4.125%
HK$26,946
baseline
▲ 0.50% · 4.625%
HK$28,585
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,892/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,208
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,964
−HK$768/mo
Today · 4.125%
HK$29,732
baseline
▲ 0.50% · 4.625%
HK$31,299
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,464/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$416,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,427
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,373
−HK$962/mo
Today · 4.125%
HK$32,335
baseline
▲ 0.50% · 4.625%
HK$34,302
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,670/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,849
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,757
−HK$921/mo
Today · 4.125%
HK$35,678
baseline
▲ 0.50% · 4.625%
HK$37,559
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,356/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,498
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,602
−HK$1,122/mo
Today · 4.125%
HK$37,724
baseline
▲ 0.50% · 4.625%
HK$40,019
+HK$2,295/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$75,448/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,491
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,550
−HK$1,074/mo
Today · 4.125%
HK$41,624
baseline
▲ 0.50% · 4.625%
HK$43,818
+HK$2,194/mo
Deposit HK$3.34M · loan HK$7.78M · min. income ≈ HK$83,248/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,640
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$47,060
−HK$1,442/mo
Today · 4.125%
HK$48,502
baseline
▲ 0.50% · 4.625%
HK$51,453
+HK$2,951/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,004/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,774
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$52,136
−HK$1,381/mo
Today · 4.125%
HK$53,517
baseline
▲ 0.50% · 4.625%
HK$56,338
+HK$2,821/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,034/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,985 · Scale 2, in force from 26 Feb 2026)