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$25,291
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,077
−HK$800/mo
Today · 4.125%
HK$26,877
baseline
▲ 0.50% · 4.625%
HK$28,512
+HK$1,635/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,754/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,136
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,890
−HK$766/mo
Today · 4.125%
HK$29,656
baseline
▲ 0.50% · 4.625%
HK$31,219
+HK$1,563/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,312/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,349
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,293
−HK$959/mo
Today · 4.125%
HK$32,252
baseline
▲ 0.50% · 4.625%
HK$34,214
+HK$1,962/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$64,504/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,763
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,668
−HK$919/mo
Today · 4.125%
HK$35,587
baseline
▲ 0.50% · 4.625%
HK$37,463
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$71,174/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,407
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,508
−HK$1,119/mo
Today · 4.125%
HK$37,627
baseline
▲ 0.50% · 4.625%
HK$39,917
+HK$2,290/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,254/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,390
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,446
−HK$1,072/mo
Today · 4.125%
HK$41,518
baseline
▲ 0.50% · 4.625%
HK$43,707
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,036/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,523
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,939
−HK$1,439/mo
Today · 4.125%
HK$48,378
baseline
▲ 0.50% · 4.625%
HK$51,322
+HK$2,944/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,756/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,644
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,002
−HK$1,378/mo
Today · 4.125%
HK$53,380
baseline
▲ 0.50% · 4.625%
HK$56,194
+HK$2,814/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,760/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,919 · Scale 2, in force from 26 Feb 2026)