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$25,318
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,105
−HK$800/mo
Today · 4.125%
HK$26,905
baseline
▲ 0.50% · 4.625%
HK$28,543
+HK$1,638/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,810/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,166
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,921
−HK$766/mo
Today · 4.125%
HK$29,687
baseline
▲ 0.50% · 4.625%
HK$31,252
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,374/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,381
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,326
−HK$960/mo
Today · 4.125%
HK$32,286
baseline
▲ 0.50% · 4.625%
HK$34,251
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,572/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,799
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,705
−HK$920/mo
Today · 4.125%
HK$35,625
baseline
▲ 0.50% · 4.625%
HK$37,503
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,250/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,445
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,547
−HK$1,121/mo
Today · 4.125%
HK$37,668
baseline
▲ 0.50% · 4.625%
HK$39,960
+HK$2,292/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,336/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,432
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,490
−HK$1,072/mo
Today · 4.125%
HK$41,562
baseline
▲ 0.50% · 4.625%
HK$43,753
+HK$2,191/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,124/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,572
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,989
−HK$1,441/mo
Today · 4.125%
HK$48,430
baseline
▲ 0.50% · 4.625%
HK$51,377
+HK$2,947/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,860/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,698
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,058
−HK$1,379/mo
Today · 4.125%
HK$53,437
baseline
▲ 0.50% · 4.625%
HK$56,254
+HK$2,817/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,874/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,364 · Scale 2, in force from 26 Feb 2026)