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$25,307
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,095
−HK$799/mo
Today · 4.125%
HK$26,894
baseline
▲ 0.50% · 4.625%
HK$28,531
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,788/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,154
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,909
−HK$766/mo
Today · 4.125%
HK$29,675
baseline
▲ 0.50% · 4.625%
HK$31,240
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,350/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,369
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,314
−HK$959/mo
Today · 4.125%
HK$32,273
baseline
▲ 0.50% · 4.625%
HK$34,237
+HK$1,964/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,546/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,785
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,691
−HK$919/mo
Today · 4.125%
HK$35,610
baseline
▲ 0.50% · 4.625%
HK$37,488
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,220/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,430
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,533
−HK$1,119/mo
Today · 4.125%
HK$37,652
baseline
▲ 0.50% · 4.625%
HK$39,943
+HK$2,291/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,304/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,416
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,473
−HK$1,073/mo
Today · 4.125%
HK$41,546
baseline
▲ 0.50% · 4.625%
HK$43,735
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,092/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,553
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,970
−HK$1,440/mo
Today · 4.125%
HK$48,410
baseline
▲ 0.50% · 4.625%
HK$51,356
+HK$2,946/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,820/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,678
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,037
−HK$1,379/mo
Today · 4.125%
HK$53,416
baseline
▲ 0.50% · 4.625%
HK$56,231
+HK$2,815/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,832/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,195 · Scale 2, in force from 26 Feb 2026)