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$25,323
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,110
−HK$801/mo
Today · 4.125%
HK$26,911
baseline
▲ 0.50% · 4.625%
HK$28,548
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,822/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,171
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,927
−HK$766/mo
Today · 4.125%
HK$29,693
baseline
▲ 0.50% · 4.625%
HK$31,259
+HK$1,566/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,386/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,387
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,333
−HK$960/mo
Today · 4.125%
HK$32,293
baseline
▲ 0.50% · 4.625%
HK$34,258
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,586/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,806
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,712
−HK$920/mo
Today · 4.125%
HK$35,632
baseline
▲ 0.50% · 4.625%
HK$37,510
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,264/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,452
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,555
−HK$1,120/mo
Today · 4.125%
HK$37,675
baseline
▲ 0.50% · 4.625%
HK$39,967
+HK$2,292/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,350/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,440
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,498
−HK$1,073/mo
Today · 4.125%
HK$41,571
baseline
▲ 0.50% · 4.625%
HK$43,762
+HK$2,191/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,142/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,581
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,999
−HK$1,440/mo
Today · 4.125%
HK$48,439
baseline
▲ 0.50% · 4.625%
HK$51,387
+HK$2,948/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,878/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,708
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,068
−HK$1,380/mo
Today · 4.125%
HK$53,448
baseline
▲ 0.50% · 4.625%
HK$56,265
+HK$2,817/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,896/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,447 · Scale 2, in force from 26 Feb 2026)