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$25,305
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,092
−HK$800/mo
Today · 4.125%
HK$26,892
baseline
▲ 0.50% · 4.625%
HK$28,528
+HK$1,636/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,784/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,151
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,906
−HK$766/mo
Today · 4.125%
HK$29,672
baseline
▲ 0.50% · 4.625%
HK$31,236
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,344/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,366
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,310
−HK$960/mo
Today · 4.125%
HK$32,270
baseline
▲ 0.50% · 4.625%
HK$34,234
+HK$1,964/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,540/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,782
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,688
−HK$919/mo
Today · 4.125%
HK$35,607
baseline
▲ 0.50% · 4.625%
HK$37,484
+HK$1,877/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,214/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,427
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,529
−HK$1,119/mo
Today · 4.125%
HK$37,648
baseline
▲ 0.50% · 4.625%
HK$39,939
+HK$2,291/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,296/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,412
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,469
−HK$1,072/mo
Today · 4.125%
HK$41,541
baseline
▲ 0.50% · 4.625%
HK$43,731
+HK$2,190/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,082/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,549
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,966
−HK$1,439/mo
Today · 4.125%
HK$48,405
baseline
▲ 0.50% · 4.625%
HK$51,350
+HK$2,945/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,810/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,673
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,032
−HK$1,378/mo
Today · 4.125%
HK$53,410
baseline
▲ 0.50% · 4.625%
HK$56,226
+HK$2,816/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,820/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,152 · Scale 2, in force from 26 Feb 2026)