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$25,309
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,096
−HK$800/mo
Today · 4.125%
HK$26,896
baseline
▲ 0.50% · 4.625%
HK$28,533
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,792/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,156
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,911
−HK$766/mo
Today · 4.125%
HK$29,677
baseline
▲ 0.50% · 4.625%
HK$31,242
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,354/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,371
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,316
−HK$959/mo
Today · 4.125%
HK$32,275
baseline
▲ 0.50% · 4.625%
HK$34,239
+HK$1,964/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,550/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,787
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,693
−HK$920/mo
Today · 4.125%
HK$35,613
baseline
▲ 0.50% · 4.625%
HK$37,490
+HK$1,877/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,226/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,433
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,535
−HK$1,120/mo
Today · 4.125%
HK$37,655
baseline
▲ 0.50% · 4.625%
HK$39,946
+HK$2,291/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,310/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,418
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,476
−HK$1,072/mo
Today · 4.125%
HK$41,548
baseline
▲ 0.50% · 4.625%
HK$43,738
+HK$2,190/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,096/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,556
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,973
−HK$1,440/mo
Today · 4.125%
HK$48,413
baseline
▲ 0.50% · 4.625%
HK$51,359
+HK$2,946/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,826/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,681
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,040
−HK$1,379/mo
Today · 4.125%
HK$53,419
baseline
▲ 0.50% · 4.625%
HK$56,235
+HK$2,816/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,838/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,220 · Scale 2, in force from 26 Feb 2026)