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$25,308
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,095
−HK$800/mo
Today · 4.125%
HK$26,895
baseline
▲ 0.50% · 4.625%
HK$28,531
+HK$1,636/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,790/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,155
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,910
−HK$766/mo
Today · 4.125%
HK$29,676
baseline
▲ 0.50% · 4.625%
HK$31,240
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,352/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,369
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,314
−HK$960/mo
Today · 4.125%
HK$32,274
baseline
▲ 0.50% · 4.625%
HK$34,238
+HK$1,964/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,548/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,786
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,692
−HK$919/mo
Today · 4.125%
HK$35,611
baseline
▲ 0.50% · 4.625%
HK$37,488
+HK$1,877/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,222/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,431
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,533
−HK$1,120/mo
Today · 4.125%
HK$37,653
baseline
▲ 0.50% · 4.625%
HK$39,944
+HK$2,291/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,306/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,417
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,474
−HK$1,072/mo
Today · 4.125%
HK$41,546
baseline
▲ 0.50% · 4.625%
HK$43,736
+HK$2,190/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$416,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,554
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,971
−HK$1,440/mo
Today · 4.125%
HK$48,411
baseline
▲ 0.50% · 4.625%
HK$51,357
+HK$2,946/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,822/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,679
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,038
−HK$1,379/mo
Today · 4.125%
HK$53,417
baseline
▲ 0.50% · 4.625%
HK$56,232
+HK$2,815/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,834/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,202 · Scale 2, in force from 26 Feb 2026)