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$25,295
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,081
−HK$800/mo
Today · 4.125%
HK$26,881
baseline
▲ 0.50% · 4.625%
HK$28,516
+HK$1,635/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,762/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,140
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,895
−HK$765/mo
Today · 4.125%
HK$29,660
baseline
▲ 0.50% · 4.625%
HK$31,224
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,320/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,354
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,298
−HK$959/mo
Today · 4.125%
HK$32,257
baseline
▲ 0.50% · 4.625%
HK$34,220
+HK$1,963/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,514/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,768
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,674
−HK$918/mo
Today · 4.125%
HK$35,592
baseline
▲ 0.50% · 4.625%
HK$37,468
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,184/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,412
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,514
−HK$1,119/mo
Today · 4.125%
HK$37,633
baseline
▲ 0.50% · 4.625%
HK$39,923
+HK$2,290/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,266/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,396
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,453
−HK$1,071/mo
Today · 4.125%
HK$41,524
baseline
▲ 0.50% · 4.625%
HK$43,713
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,048/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,530
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,947
−HK$1,438/mo
Today · 4.125%
HK$48,385
baseline
▲ 0.50% · 4.625%
HK$51,330
+HK$2,945/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,770/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,652
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,010
−HK$1,379/mo
Today · 4.125%
HK$53,389
baseline
▲ 0.50% · 4.625%
HK$56,203
+HK$2,814/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,778/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,983 · Scale 2, in force from 26 Feb 2026)