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$25,290
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,077
−HK$799/mo
Today · 4.125%
HK$26,876
baseline
▲ 0.50% · 4.625%
HK$28,512
+HK$1,636/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,752/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,135
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,890
−HK$765/mo
Today · 4.125%
HK$29,655
baseline
▲ 0.50% · 4.625%
HK$31,218
+HK$1,563/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,310/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,348
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,292
−HK$959/mo
Today · 4.125%
HK$32,251
baseline
▲ 0.50% · 4.625%
HK$34,214
+HK$1,963/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$64,502/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,762
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,668
−HK$918/mo
Today · 4.125%
HK$35,586
baseline
▲ 0.50% · 4.625%
HK$37,462
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$71,172/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,406
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,508
−HK$1,119/mo
Today · 4.125%
HK$37,627
baseline
▲ 0.50% · 4.625%
HK$39,916
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,254/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,389
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,446
−HK$1,071/mo
Today · 4.125%
HK$41,517
baseline
▲ 0.50% · 4.625%
HK$43,706
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,034/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,523
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,939
−HK$1,438/mo
Today · 4.125%
HK$48,377
baseline
▲ 0.50% · 4.625%
HK$51,321
+HK$2,944/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,754/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,643
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,002
−HK$1,377/mo
Today · 4.125%
HK$53,379
baseline
▲ 0.50% · 4.625%
HK$56,193
+HK$2,814/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,758/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$415,913 · Scale 2, in force from 26 Feb 2026)