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$25,293
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,080
−HK$799/mo
Today · 4.125%
HK$26,879
baseline
▲ 0.50% · 4.625%
HK$28,515
+HK$1,636/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,758/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,138
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,893
−HK$766/mo
Today · 4.125%
HK$29,659
baseline
▲ 0.50% · 4.625%
HK$31,222
+HK$1,563/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,318/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,352
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,296
−HK$959/mo
Today · 4.125%
HK$32,255
baseline
▲ 0.50% · 4.625%
HK$34,218
+HK$1,963/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,510/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,766
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,672
−HK$918/mo
Today · 4.125%
HK$35,590
baseline
▲ 0.50% · 4.625%
HK$37,466
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,180/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,410
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,512
−HK$1,119/mo
Today · 4.125%
HK$37,631
baseline
▲ 0.50% · 4.625%
HK$39,921
+HK$2,290/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,262/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,394
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,450
−HK$1,072/mo
Today · 4.125%
HK$41,522
baseline
▲ 0.50% · 4.625%
HK$43,711
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,044/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,528
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,944
−HK$1,439/mo
Today · 4.125%
HK$48,383
baseline
▲ 0.50% · 4.625%
HK$51,326
+HK$2,943/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,766/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,649
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,007
−HK$1,378/mo
Today · 4.125%
HK$53,385
baseline
▲ 0.50% · 4.625%
HK$56,199
+HK$2,814/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,770/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,958 · Scale 2, in force from 26 Feb 2026)