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$25,315
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,103
−HK$800/mo
Today · 4.125%
HK$26,903
baseline
▲ 0.50% · 4.625%
HK$28,540
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,806/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,163
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,918
−HK$767/mo
Today · 4.125%
HK$29,685
baseline
▲ 0.50% · 4.625%
HK$31,249
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,370/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,378
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,323
−HK$960/mo
Today · 4.125%
HK$32,283
baseline
▲ 0.50% · 4.625%
HK$34,248
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,566/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,796
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,702
−HK$920/mo
Today · 4.125%
HK$35,622
baseline
▲ 0.50% · 4.625%
HK$37,499
+HK$1,877/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,244/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,442
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,544
−HK$1,120/mo
Today · 4.125%
HK$37,664
baseline
▲ 0.50% · 4.625%
HK$39,956
+HK$2,292/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,328/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,428
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,486
−HK$1,073/mo
Today · 4.125%
HK$41,559
baseline
▲ 0.50% · 4.625%
HK$43,749
+HK$2,190/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,118/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,568
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,985
−HK$1,440/mo
Today · 4.125%
HK$48,425
baseline
▲ 0.50% · 4.625%
HK$51,372
+HK$2,947/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,850/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,694
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,053
−HK$1,379/mo
Today · 4.125%
HK$53,432
baseline
▲ 0.50% · 4.625%
HK$56,249
+HK$2,817/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,864/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,325 · Scale 2, in force from 26 Feb 2026)