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$25,321
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,109
−HK$800/mo
Today · 4.125%
HK$26,909
baseline
▲ 0.50% · 4.625%
HK$28,547
+HK$1,638/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,818/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,170
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,925
−HK$767/mo
Today · 4.125%
HK$29,692
baseline
▲ 0.50% · 4.625%
HK$31,257
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,384/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,386
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,331
−HK$960/mo
Today · 4.125%
HK$32,291
baseline
▲ 0.50% · 4.625%
HK$34,256
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,582/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,804
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,710
−HK$920/mo
Today · 4.125%
HK$35,630
baseline
▲ 0.50% · 4.625%
HK$37,508
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,260/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,450
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,553
−HK$1,120/mo
Today · 4.125%
HK$37,673
baseline
▲ 0.50% · 4.625%
HK$39,965
+HK$2,292/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,346/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,438
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,495
−HK$1,073/mo
Today · 4.125%
HK$41,568
baseline
▲ 0.50% · 4.625%
HK$43,760
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,136/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,579
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,996
−HK$1,441/mo
Today · 4.125%
HK$48,437
baseline
▲ 0.50% · 4.625%
HK$51,384
+HK$2,947/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,874/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,706
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,066
−HK$1,379/mo
Today · 4.125%
HK$53,445
baseline
▲ 0.50% · 4.625%
HK$56,262
+HK$2,817/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,890/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,424 · Scale 2, in force from 26 Feb 2026)