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$25,298
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,085
−HK$799/mo
Today · 4.125%
HK$26,884
baseline
▲ 0.50% · 4.625%
HK$28,520
+HK$1,636/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,768/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,143
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,898
−HK$766/mo
Today · 4.125%
HK$29,664
baseline
▲ 0.50% · 4.625%
HK$31,228
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,328/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,357
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,301
−HK$960/mo
Today · 4.125%
HK$32,261
baseline
▲ 0.50% · 4.625%
HK$34,224
+HK$1,963/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,522/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,772
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,678
−HK$919/mo
Today · 4.125%
HK$35,597
baseline
▲ 0.50% · 4.625%
HK$37,473
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,194/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,417
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,518
−HK$1,120/mo
Today · 4.125%
HK$37,638
baseline
▲ 0.50% · 4.625%
HK$39,928
+HK$2,290/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,276/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$416,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,401
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,457
−HK$1,072/mo
Today · 4.125%
HK$41,529
baseline
▲ 0.50% · 4.625%
HK$43,719
+HK$2,190/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,058/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$416,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,536
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,952
−HK$1,439/mo
Today · 4.125%
HK$48,391
baseline
▲ 0.50% · 4.625%
HK$51,336
+HK$2,945/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,782/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,658
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,017
−HK$1,378/mo
Today · 4.125%
HK$53,395
baseline
▲ 0.50% · 4.625%
HK$56,210
+HK$2,815/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,790/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,034 · Scale 2, in force from 26 Feb 2026)