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$25,319
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,106
−HK$801/mo
Today · 4.125%
HK$26,907
baseline
▲ 0.50% · 4.625%
HK$28,544
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,814/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,167
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,922
−HK$767/mo
Today · 4.125%
HK$29,689
baseline
▲ 0.50% · 4.625%
HK$31,254
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,378/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,383
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,328
−HK$960/mo
Today · 4.125%
HK$32,288
baseline
▲ 0.50% · 4.625%
HK$34,253
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,576/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,800
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,707
−HK$920/mo
Today · 4.125%
HK$35,627
baseline
▲ 0.50% · 4.625%
HK$37,504
+HK$1,877/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,254/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,446
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,549
−HK$1,120/mo
Today · 4.125%
HK$37,669
baseline
▲ 0.50% · 4.625%
HK$39,961
+HK$2,292/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,338/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,434
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,491
−HK$1,073/mo
Today · 4.125%
HK$41,564
baseline
▲ 0.50% · 4.625%
HK$43,755
+HK$2,191/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,128/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,574
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,992
−HK$1,440/mo
Today · 4.125%
HK$48,432
baseline
▲ 0.50% · 4.625%
HK$51,379
+HK$2,947/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,864/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,701
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,060
−HK$1,380/mo
Today · 4.125%
HK$53,440
baseline
▲ 0.50% · 4.625%
HK$56,257
+HK$2,817/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,880/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,383 · Scale 2, in force from 26 Feb 2026)