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$25,293
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,079
−HK$800/mo
Today · 4.125%
HK$26,879
baseline
▲ 0.50% · 4.625%
HK$28,514
+HK$1,635/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,758/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,138
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,892
−HK$766/mo
Today · 4.125%
HK$29,658
baseline
▲ 0.50% · 4.625%
HK$31,221
+HK$1,563/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,316/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,351
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,295
−HK$960/mo
Today · 4.125%
HK$32,255
baseline
▲ 0.50% · 4.625%
HK$34,217
+HK$1,962/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,510/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,765
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,671
−HK$919/mo
Today · 4.125%
HK$35,590
baseline
▲ 0.50% · 4.625%
HK$37,466
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,180/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,410
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,511
−HK$1,119/mo
Today · 4.125%
HK$37,630
baseline
▲ 0.50% · 4.625%
HK$39,920
+HK$2,290/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,260/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,393
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,449
−HK$1,072/mo
Today · 4.125%
HK$41,521
baseline
▲ 0.50% · 4.625%
HK$43,710
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,042/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,527
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,943
−HK$1,439/mo
Today · 4.125%
HK$48,382
baseline
▲ 0.50% · 4.625%
HK$51,326
+HK$2,944/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,764/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,648
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,006
−HK$1,379/mo
Today · 4.125%
HK$53,385
baseline
▲ 0.50% · 4.625%
HK$56,198
+HK$2,813/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,770/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,952 · Scale 2, in force from 26 Feb 2026)