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$25,297
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,084
−HK$799/mo
Today · 4.125%
HK$26,883
baseline
▲ 0.50% · 4.625%
HK$28,519
+HK$1,636/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,766/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,143
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,897
−HK$766/mo
Today · 4.125%
HK$29,663
baseline
▲ 0.50% · 4.625%
HK$31,227
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,326/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,356
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,301
−HK$959/mo
Today · 4.125%
HK$32,260
baseline
▲ 0.50% · 4.625%
HK$34,223
+HK$1,963/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,520/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,771
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,677
−HK$919/mo
Today · 4.125%
HK$35,596
baseline
▲ 0.50% · 4.625%
HK$37,472
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,192/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,416
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,517
−HK$1,120/mo
Today · 4.125%
HK$37,637
baseline
▲ 0.50% · 4.625%
HK$39,927
+HK$2,290/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,274/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$416,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,400
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,456
−HK$1,072/mo
Today · 4.125%
HK$41,528
baseline
▲ 0.50% · 4.625%
HK$43,717
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,056/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$416,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,535
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,951
−HK$1,439/mo
Today · 4.125%
HK$48,390
baseline
▲ 0.50% · 4.625%
HK$51,334
+HK$2,944/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,780/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,657
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,015
−HK$1,379/mo
Today · 4.125%
HK$53,394
baseline
▲ 0.50% · 4.625%
HK$56,208
+HK$2,814/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,788/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,023 · Scale 2, in force from 26 Feb 2026)