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$25,313
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,100
−HK$800/mo
Today · 4.125%
HK$26,900
baseline
▲ 0.50% · 4.625%
HK$28,537
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,800/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,160
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,916
−HK$766/mo
Today · 4.125%
HK$29,682
baseline
▲ 0.50% · 4.625%
HK$31,246
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,364/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,376
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,320
−HK$960/mo
Today · 4.125%
HK$32,280
baseline
▲ 0.50% · 4.625%
HK$34,245
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,560/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,792
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,699
−HK$919/mo
Today · 4.125%
HK$35,618
baseline
▲ 0.50% · 4.625%
HK$37,496
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,236/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,438
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,540
−HK$1,120/mo
Today · 4.125%
HK$37,660
baseline
▲ 0.50% · 4.625%
HK$39,952
+HK$2,292/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,320/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,425
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,482
−HK$1,073/mo
Today · 4.125%
HK$41,555
baseline
▲ 0.50% · 4.625%
HK$43,745
+HK$2,190/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,110/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,563
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,981
−HK$1,440/mo
Today · 4.125%
HK$48,421
baseline
▲ 0.50% · 4.625%
HK$51,367
+HK$2,946/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,842/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,689
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,048
−HK$1,379/mo
Today · 4.125%
HK$53,427
baseline
▲ 0.50% · 4.625%
HK$56,243
+HK$2,816/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,854/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,285 · Scale 2, in force from 26 Feb 2026)