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$25,270
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,056
−HK$799/mo
Today · 4.125%
HK$26,855
baseline
▲ 0.50% · 4.625%
HK$28,489
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,710/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,113
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,867
−HK$765/mo
Today · 4.125%
HK$29,632
baseline
▲ 0.50% · 4.625%
HK$31,194
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,264/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,325
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,268
−HK$958/mo
Today · 4.125%
HK$32,226
baseline
▲ 0.50% · 4.625%
HK$34,187
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,452/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,736
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,640
−HK$918/mo
Today · 4.125%
HK$35,558
baseline
▲ 0.50% · 4.625%
HK$37,433
+HK$1,875/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,116/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,379
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,479
−HK$1,118/mo
Today · 4.125%
HK$37,597
baseline
▲ 0.50% · 4.625%
HK$39,885
+HK$2,288/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$75,194/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,358
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,414
−HK$1,071/mo
Today · 4.125%
HK$41,485
baseline
▲ 0.50% · 4.625%
HK$43,671
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$82,970/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,487
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,902
−HK$1,437/mo
Today · 4.125%
HK$48,339
baseline
▲ 0.50% · 4.625%
HK$51,281
+HK$2,942/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,678/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,604
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,961
−HK$1,377/mo
Today · 4.125%
HK$53,338
baseline
▲ 0.50% · 4.625%
HK$56,149
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,676/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,586 · Scale 2, in force from 26 Feb 2026)