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$1,587/mo
▼ 0.25% · 3.875%
HK$26,086
−HK$800/mo
Today · 4.125%
HK$26,886
baseline
▲ 0.50% · 4.625%
HK$28,522
+HK$1,636/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,772/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,145
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,900
−HK$766/mo
Today · 4.125%
HK$29,666
baseline
▲ 0.50% · 4.625%
HK$31,230
+HK$1,564/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,332/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,359
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,304
−HK$959/mo
Today · 4.125%
HK$32,263
baseline
▲ 0.50% · 4.625%
HK$34,226
+HK$1,963/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,526/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,774
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,680
−HK$919/mo
Today · 4.125%
HK$35,599
baseline
▲ 0.50% · 4.625%
HK$37,476
+HK$1,877/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,198/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,419
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,521
−HK$1,119/mo
Today · 4.125%
HK$37,640
baseline
▲ 0.50% · 4.625%
HK$39,930
+HK$2,290/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,280/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$416,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,403
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,460
−HK$1,072/mo
Today · 4.125%
HK$41,532
baseline
▲ 0.50% · 4.625%
HK$43,721
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,064/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$416,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,539
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,955
−HK$1,439/mo
Today · 4.125%
HK$48,394
baseline
▲ 0.50% · 4.625%
HK$51,339
+HK$2,945/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,788/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,661
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,020
−HK$1,379/mo
Today · 4.125%
HK$53,399
baseline
▲ 0.50% · 4.625%
HK$56,213
+HK$2,814/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,798/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,061 · Scale 2, in force from 26 Feb 2026)