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$25,365
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,154
−HK$801/mo
Today · 4.125%
HK$26,955
baseline
▲ 0.50% · 4.625%
HK$28,596
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,910/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,218
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,975
−HK$768/mo
Today · 4.125%
HK$29,743
baseline
▲ 0.50% · 4.625%
HK$31,310
+HK$1,567/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,486/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,438
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,385
−HK$961/mo
Today · 4.125%
HK$32,346
baseline
▲ 0.50% · 4.625%
HK$34,315
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,692/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,862
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,770
−HK$921/mo
Today · 4.125%
HK$35,691
baseline
▲ 0.50% · 4.625%
HK$37,572
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,382/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,511
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,615
−HK$1,123/mo
Today · 4.125%
HK$37,738
baseline
▲ 0.50% · 4.625%
HK$40,034
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,476/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,505
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,565
−HK$1,075/mo
Today · 4.125%
HK$41,640
baseline
▲ 0.50% · 4.625%
HK$43,835
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,280/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,657
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,077
−HK$1,443/mo
Today · 4.125%
HK$48,520
baseline
▲ 0.50% · 4.625%
HK$51,472
+HK$2,952/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,040/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,793
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,155
−HK$1,382/mo
Today · 4.125%
HK$53,537
baseline
▲ 0.50% · 4.625%
HK$56,359
+HK$2,822/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,074/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,138 · Scale 2, in force from 26 Feb 2026)