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$25,305
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,093
−HK$799/mo
Today · 4.125%
HK$26,892
baseline
▲ 0.50% · 4.625%
HK$28,529
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,784/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,152
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,907
−HK$766/mo
Today · 4.125%
HK$29,673
baseline
▲ 0.50% · 4.625%
HK$31,237
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,346/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,367
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,311
−HK$960/mo
Today · 4.125%
HK$32,271
baseline
▲ 0.50% · 4.625%
HK$34,234
+HK$1,963/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,542/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,782
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,688
−HK$920/mo
Today · 4.125%
HK$35,608
baseline
▲ 0.50% · 4.625%
HK$37,485
+HK$1,877/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,216/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,428
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,530
−HK$1,119/mo
Today · 4.125%
HK$37,649
baseline
▲ 0.50% · 4.625%
HK$39,940
+HK$2,291/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,298/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,413
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,470
−HK$1,072/mo
Today · 4.125%
HK$41,542
baseline
▲ 0.50% · 4.625%
HK$43,732
+HK$2,190/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,084/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,550
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,967
−HK$1,439/mo
Today · 4.125%
HK$48,406
baseline
▲ 0.50% · 4.625%
HK$51,352
+HK$2,946/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,812/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,674
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,033
−HK$1,378/mo
Today · 4.125%
HK$53,411
baseline
▲ 0.50% · 4.625%
HK$56,227
+HK$2,816/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,822/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,162 · Scale 2, in force from 26 Feb 2026)