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$28,595
+HK$1,640/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$417,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,218
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,975
−HK$767/mo
Today · 4.125%
HK$29,742
baseline
▲ 0.50% · 4.625%
HK$31,310
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,484/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,438
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,384
−HK$962/mo
Today · 4.125%
HK$32,346
baseline
▲ 0.50% · 4.625%
HK$34,314
+HK$1,968/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$417,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,861
−HK$1,830/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$417,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,510
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,615
−HK$1,122/mo
Today · 4.125%
HK$37,737
baseline
▲ 0.50% · 4.625%
HK$40,033
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,474/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,505
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,565
−HK$1,074/mo
Today · 4.125%
HK$41,639
baseline
▲ 0.50% · 4.625%
HK$43,834
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,278/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,656
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,076
−HK$1,443/mo
Today · 4.125%
HK$48,519
baseline
▲ 0.50% · 4.625%
HK$51,472
+HK$2,953/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,038/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,792
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,154
−HK$1,382/mo
Today · 4.125%
HK$53,536
baseline
▲ 0.50% · 4.625%
HK$56,358
+HK$2,822/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,072/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,135 · Scale 2, in force from 26 Feb 2026)