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$25,323
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,111
−HK$800/mo
Today · 4.125%
HK$26,911
baseline
▲ 0.50% · 4.625%
HK$28,549
+HK$1,638/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,822/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,172
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,927
−HK$767/mo
Today · 4.125%
HK$29,694
baseline
▲ 0.50% · 4.625%
HK$31,259
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,388/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,388
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,333
−HK$960/mo
Today · 4.125%
HK$32,293
baseline
▲ 0.50% · 4.625%
HK$34,258
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,586/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,806
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,713
−HK$920/mo
Today · 4.125%
HK$35,633
baseline
▲ 0.50% · 4.625%
HK$37,511
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,266/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,453
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,555
−HK$1,121/mo
Today · 4.125%
HK$37,676
baseline
▲ 0.50% · 4.625%
HK$39,968
+HK$2,292/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,352/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,441
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,498
−HK$1,073/mo
Today · 4.125%
HK$41,571
baseline
▲ 0.50% · 4.625%
HK$43,763
+HK$2,192/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,142/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,582
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$47,000
−HK$1,440/mo
Today · 4.125%
HK$48,440
baseline
▲ 0.50% · 4.625%
HK$51,388
+HK$2,948/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,880/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,709
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$52,069
−HK$1,380/mo
Today · 4.125%
HK$53,449
baseline
▲ 0.50% · 4.625%
HK$56,266
+HK$2,817/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,898/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,454 · Scale 2, in force from 26 Feb 2026)