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$25,303
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,090
−HK$800/mo
Today · 4.125%
HK$26,890
baseline
▲ 0.50% · 4.625%
HK$28,526
+HK$1,636/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,780/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,149
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,904
−HK$766/mo
Today · 4.125%
HK$29,670
baseline
▲ 0.50% · 4.625%
HK$31,234
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,340/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,364
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,308
−HK$960/mo
Today · 4.125%
HK$32,268
baseline
▲ 0.50% · 4.625%
HK$34,231
+HK$1,963/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,536/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,779
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,685
−HK$919/mo
Today · 4.125%
HK$35,604
baseline
▲ 0.50% · 4.625%
HK$37,481
+HK$1,877/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,208/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,424
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,526
−HK$1,120/mo
Today · 4.125%
HK$37,646
baseline
▲ 0.50% · 4.625%
HK$39,936
+HK$2,290/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,292/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,409
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,466
−HK$1,072/mo
Today · 4.125%
HK$41,538
baseline
▲ 0.50% · 4.625%
HK$43,728
+HK$2,190/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,076/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,546
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,962
−HK$1,440/mo
Today · 4.125%
HK$48,402
baseline
▲ 0.50% · 4.625%
HK$51,347
+HK$2,945/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,804/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,669
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,028
−HK$1,378/mo
Today · 4.125%
HK$53,406
baseline
▲ 0.50% · 4.625%
HK$56,222
+HK$2,816/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,812/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,123 · Scale 2, in force from 26 Feb 2026)