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$26,081
−HK$799/mo
Today · 4.125%
HK$26,880
baseline
▲ 0.50% · 4.625%
HK$28,516
+HK$1,636/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$415,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,140
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,894
−HK$766/mo
Today · 4.125%
HK$29,660
baseline
▲ 0.50% · 4.625%
HK$31,223
+HK$1,563/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,320/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,353
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,297
−HK$960/mo
Today · 4.125%
HK$32,257
baseline
▲ 0.50% · 4.625%
HK$34,219
+HK$1,962/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,514/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,768
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,673
−HK$919/mo
Today · 4.125%
HK$35,592
baseline
▲ 0.50% · 4.625%
HK$37,468
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,184/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,412
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,513
−HK$1,120/mo
Today · 4.125%
HK$37,633
baseline
▲ 0.50% · 4.625%
HK$39,922
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,266/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,395
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,452
−HK$1,072/mo
Today · 4.125%
HK$41,524
baseline
▲ 0.50% · 4.625%
HK$43,713
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,048/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,530
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,946
−HK$1,439/mo
Today · 4.125%
HK$48,385
baseline
▲ 0.50% · 4.625%
HK$51,329
+HK$2,944/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,770/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,651
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,010
−HK$1,378/mo
Today · 4.125%
HK$53,388
baseline
▲ 0.50% · 4.625%
HK$56,202
+HK$2,814/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,776/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,977 · Scale 2, in force from 26 Feb 2026)