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$25,294
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,080
−HK$800/mo
Today · 4.125%
HK$26,880
baseline
▲ 0.50% · 4.625%
HK$28,515
+HK$1,635/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,760/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,139
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,894
−HK$765/mo
Today · 4.125%
HK$29,659
baseline
▲ 0.50% · 4.625%
HK$31,223
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,318/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,352
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,297
−HK$959/mo
Today · 4.125%
HK$32,256
baseline
▲ 0.50% · 4.625%
HK$34,218
+HK$1,962/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,512/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,767
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,672
−HK$919/mo
Today · 4.125%
HK$35,591
baseline
▲ 0.50% · 4.625%
HK$37,467
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,182/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,411
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,513
−HK$1,119/mo
Today · 4.125%
HK$37,632
baseline
▲ 0.50% · 4.625%
HK$39,922
+HK$2,290/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,264/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,395
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,451
−HK$1,072/mo
Today · 4.125%
HK$41,523
baseline
▲ 0.50% · 4.625%
HK$43,712
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,046/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,529
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,945
−HK$1,439/mo
Today · 4.125%
HK$48,384
baseline
▲ 0.50% · 4.625%
HK$51,328
+HK$2,944/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,768/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,650
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,009
−HK$1,378/mo
Today · 4.125%
HK$53,387
baseline
▲ 0.50% · 4.625%
HK$56,201
+HK$2,814/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,774/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,968 · Scale 2, in force from 26 Feb 2026)