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$25,321
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,109
−HK$800/mo
Today · 4.125%
HK$26,909
baseline
▲ 0.50% · 4.625%
HK$28,546
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,818/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,169
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,925
−HK$766/mo
Today · 4.125%
HK$29,691
baseline
▲ 0.50% · 4.625%
HK$31,256
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,382/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,385
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,330
−HK$961/mo
Today · 4.125%
HK$32,291
baseline
▲ 0.50% · 4.625%
HK$34,255
+HK$1,964/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,582/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,803
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,710
−HK$919/mo
Today · 4.125%
HK$35,629
baseline
▲ 0.50% · 4.625%
HK$37,507
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,258/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,449
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,552
−HK$1,120/mo
Today · 4.125%
HK$37,672
baseline
▲ 0.50% · 4.625%
HK$39,965
+HK$2,293/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,344/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,437
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,495
−HK$1,073/mo
Today · 4.125%
HK$41,568
baseline
▲ 0.50% · 4.625%
HK$43,759
+HK$2,191/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,136/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,578
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,995
−HK$1,441/mo
Today · 4.125%
HK$48,436
baseline
▲ 0.50% · 4.625%
HK$51,383
+HK$2,947/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,872/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,705
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,065
−HK$1,379/mo
Today · 4.125%
HK$53,444
baseline
▲ 0.50% · 4.625%
HK$56,261
+HK$2,817/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,888/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,416 · Scale 2, in force from 26 Feb 2026)