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$416,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,150
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,905
−HK$765/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$416,126 · 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$416,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,780
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,685
−HK$920/mo
Today · 4.125%
HK$35,605
baseline
▲ 0.50% · 4.625%
HK$37,481
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,210/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,425
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,526
−HK$1,120/mo
Today · 4.125%
HK$37,646
baseline
▲ 0.50% · 4.625%
HK$39,937
+HK$2,291/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$416,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,409
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,466
−HK$1,073/mo
Today · 4.125%
HK$41,539
baseline
▲ 0.50% · 4.625%
HK$43,728
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,078/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,546
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,963
−HK$1,439/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$416,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,669
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,028
−HK$1,379/mo
Today · 4.125%
HK$53,407
baseline
▲ 0.50% · 4.625%
HK$56,222
+HK$2,815/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,814/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,126 · Scale 2, in force from 26 Feb 2026)