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$25,295
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,082
−HK$799/mo
Today · 4.125%
HK$26,881
baseline
▲ 0.50% · 4.625%
HK$28,517
+HK$1,636/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,762/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,140
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,895
−HK$766/mo
Today · 4.125%
HK$29,661
baseline
▲ 0.50% · 4.625%
HK$31,224
+HK$1,563/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,322/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,354
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,298
−HK$960/mo
Today · 4.125%
HK$32,258
baseline
▲ 0.50% · 4.625%
HK$34,220
+HK$1,962/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,516/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,769
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,674
−HK$919/mo
Today · 4.125%
HK$35,593
baseline
▲ 0.50% · 4.625%
HK$37,469
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,186/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,413
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,515
−HK$1,119/mo
Today · 4.125%
HK$37,634
baseline
▲ 0.50% · 4.625%
HK$39,924
+HK$2,290/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,268/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,397
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,453
−HK$1,072/mo
Today · 4.125%
HK$41,525
baseline
▲ 0.50% · 4.625%
HK$43,714
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,050/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,531
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,947
−HK$1,439/mo
Today · 4.125%
HK$48,386
baseline
▲ 0.50% · 4.625%
HK$51,330
+HK$2,944/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,772/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,653
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,011
−HK$1,378/mo
Today · 4.125%
HK$53,389
baseline
▲ 0.50% · 4.625%
HK$56,204
+HK$2,815/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,778/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,991 · Scale 2, in force from 26 Feb 2026)