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$25,316
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,104
−HK$800/mo
Today · 4.125%
HK$26,904
baseline
▲ 0.50% · 4.625%
HK$28,541
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,808/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,164
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,920
−HK$766/mo
Today · 4.125%
HK$29,686
baseline
▲ 0.50% · 4.625%
HK$31,251
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,372/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,380
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,325
−HK$960/mo
Today · 4.125%
HK$32,285
baseline
▲ 0.50% · 4.625%
HK$34,249
+HK$1,964/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,570/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,797
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,704
−HK$919/mo
Today · 4.125%
HK$35,623
baseline
▲ 0.50% · 4.625%
HK$37,501
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,246/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,443
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,546
−HK$1,120/mo
Today · 4.125%
HK$37,666
baseline
▲ 0.50% · 4.625%
HK$39,957
+HK$2,291/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,332/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,430
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,488
−HK$1,072/mo
Today · 4.125%
HK$41,560
baseline
▲ 0.50% · 4.625%
HK$43,751
+HK$2,191/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,120/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,570
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,987
−HK$1,440/mo
Today · 4.125%
HK$48,427
baseline
▲ 0.50% · 4.625%
HK$51,374
+HK$2,947/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,854/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,696
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,055
−HK$1,380/mo
Today · 4.125%
HK$53,435
baseline
▲ 0.50% · 4.625%
HK$56,251
+HK$2,816/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,870/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,343 · Scale 2, in force from 26 Feb 2026)