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$25,319
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,107
−HK$800/mo
Today · 4.125%
HK$26,907
baseline
▲ 0.50% · 4.625%
HK$28,544
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,814/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,168
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,923
−HK$766/mo
Today · 4.125%
HK$29,689
baseline
▲ 0.50% · 4.625%
HK$31,254
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,378/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,383
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,328
−HK$961/mo
Today · 4.125%
HK$32,289
baseline
▲ 0.50% · 4.625%
HK$34,253
+HK$1,964/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,578/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,801
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,708
−HK$919/mo
Today · 4.125%
HK$35,627
baseline
▲ 0.50% · 4.625%
HK$37,505
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,254/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,447
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,550
−HK$1,120/mo
Today · 4.125%
HK$37,670
baseline
▲ 0.50% · 4.625%
HK$39,962
+HK$2,292/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,340/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,435
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,492
−HK$1,073/mo
Today · 4.125%
HK$41,565
baseline
▲ 0.50% · 4.625%
HK$43,756
+HK$2,191/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,130/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,575
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,993
−HK$1,440/mo
Today · 4.125%
HK$48,433
baseline
▲ 0.50% · 4.625%
HK$51,380
+HK$2,947/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,866/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,702
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,062
−HK$1,379/mo
Today · 4.125%
HK$53,441
baseline
▲ 0.50% · 4.625%
HK$56,258
+HK$2,817/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,882/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,392 · Scale 2, in force from 26 Feb 2026)