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$25,299
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,086
−HK$799/mo
Today · 4.125%
HK$26,885
baseline
▲ 0.50% · 4.625%
HK$28,521
+HK$1,636/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,770/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,144
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,899
−HK$766/mo
Today · 4.125%
HK$29,665
baseline
▲ 0.50% · 4.625%
HK$31,229
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,330/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,358
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,303
−HK$959/mo
Today · 4.125%
HK$32,262
baseline
▲ 0.50% · 4.625%
HK$34,225
+HK$1,963/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,524/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,773
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,679
−HK$919/mo
Today · 4.125%
HK$35,598
baseline
▲ 0.50% · 4.625%
HK$37,474
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,196/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,418
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,520
−HK$1,119/mo
Today · 4.125%
HK$37,639
baseline
▲ 0.50% · 4.625%
HK$39,929
+HK$2,290/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,278/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$416,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,402
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,459
−HK$1,072/mo
Today · 4.125%
HK$41,531
baseline
▲ 0.50% · 4.625%
HK$43,720
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,062/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$416,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,538
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,954
−HK$1,439/mo
Today · 4.125%
HK$48,393
baseline
▲ 0.50% · 4.625%
HK$51,338
+HK$2,945/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,786/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,660
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,019
−HK$1,378/mo
Today · 4.125%
HK$53,397
baseline
▲ 0.50% · 4.625%
HK$56,212
+HK$2,815/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,794/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,050 · Scale 2, in force from 26 Feb 2026)