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$25,312
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,099
−HK$800/mo
Today · 4.125%
HK$26,899
baseline
▲ 0.50% · 4.625%
HK$28,536
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,798/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,159
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,914
−HK$767/mo
Today · 4.125%
HK$29,681
baseline
▲ 0.50% · 4.625%
HK$31,245
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,362/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,374
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,319
−HK$960/mo
Today · 4.125%
HK$32,279
baseline
▲ 0.50% · 4.625%
HK$34,243
+HK$1,964/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,558/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,791
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,697
−HK$920/mo
Today · 4.125%
HK$35,617
baseline
▲ 0.50% · 4.625%
HK$37,494
+HK$1,877/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,234/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,437
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,539
−HK$1,120/mo
Today · 4.125%
HK$37,659
baseline
▲ 0.50% · 4.625%
HK$39,950
+HK$2,291/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,318/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,423
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,480
−HK$1,073/mo
Today · 4.125%
HK$41,553
baseline
▲ 0.50% · 4.625%
HK$43,743
+HK$2,190/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,106/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,561
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,979
−HK$1,439/mo
Today · 4.125%
HK$48,418
baseline
▲ 0.50% · 4.625%
HK$51,365
+HK$2,947/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,836/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,687
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,046
−HK$1,379/mo
Today · 4.125%
HK$53,425
baseline
▲ 0.50% · 4.625%
HK$56,241
+HK$2,816/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,850/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,267 · Scale 2, in force from 26 Feb 2026)