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$25,302
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,089
−HK$799/mo
Today · 4.125%
HK$26,888
baseline
▲ 0.50% · 4.625%
HK$28,525
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,776/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,148
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,903
−HK$766/mo
Today · 4.125%
HK$29,669
baseline
▲ 0.50% · 4.625%
HK$31,233
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,338/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,362
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,307
−HK$959/mo
Today · 4.125%
HK$32,266
baseline
▲ 0.50% · 4.625%
HK$34,229
+HK$1,963/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,532/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,778
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,683
−HK$919/mo
Today · 4.125%
HK$35,602
baseline
▲ 0.50% · 4.625%
HK$37,479
+HK$1,877/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,204/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,422
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,524
−HK$1,120/mo
Today · 4.125%
HK$37,644
baseline
▲ 0.50% · 4.625%
HK$39,934
+HK$2,290/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,288/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$416,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,407
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,464
−HK$1,072/mo
Today · 4.125%
HK$41,536
baseline
▲ 0.50% · 4.625%
HK$43,726
+HK$2,190/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,072/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$416,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,543
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,960
−HK$1,439/mo
Today · 4.125%
HK$48,399
baseline
▲ 0.50% · 4.625%
HK$51,344
+HK$2,945/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,798/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,666
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,025
−HK$1,379/mo
Today · 4.125%
HK$53,404
baseline
▲ 0.50% · 4.625%
HK$56,219
+HK$2,815/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,808/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,101 · Scale 2, in force from 26 Feb 2026)