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$25,314
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,101
−HK$800/mo
Today · 4.125%
HK$26,901
baseline
▲ 0.50% · 4.625%
HK$28,538
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,802/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,162
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,917
−HK$766/mo
Today · 4.125%
HK$29,683
baseline
▲ 0.50% · 4.625%
HK$31,248
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,366/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,377
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,322
−HK$960/mo
Today · 4.125%
HK$32,282
baseline
▲ 0.50% · 4.625%
HK$34,246
+HK$1,964/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,564/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,794
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,700
−HK$920/mo
Today · 4.125%
HK$35,620
baseline
▲ 0.50% · 4.625%
HK$37,497
+HK$1,877/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,240/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,440
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,542
−HK$1,120/mo
Today · 4.125%
HK$37,662
baseline
▲ 0.50% · 4.625%
HK$39,954
+HK$2,292/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,324/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,426
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,484
−HK$1,072/mo
Today · 4.125%
HK$41,556
baseline
▲ 0.50% · 4.625%
HK$43,747
+HK$2,191/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,112/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,565
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,982
−HK$1,440/mo
Today · 4.125%
HK$48,422
baseline
▲ 0.50% · 4.625%
HK$51,369
+HK$2,947/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,844/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,691
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,050
−HK$1,379/mo
Today · 4.125%
HK$53,429
baseline
▲ 0.50% · 4.625%
HK$56,246
+HK$2,817/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,858/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,302 · Scale 2, in force from 26 Feb 2026)