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$25,266
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,052
−HK$798/mo
Today · 4.125%
HK$26,850
baseline
▲ 0.50% · 4.625%
HK$28,484
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,700/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,108
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,862
−HK$764/mo
Today · 4.125%
HK$29,626
baseline
▲ 0.50% · 4.625%
HK$31,188
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,252/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,319
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,262
−HK$958/mo
Today · 4.125%
HK$32,220
baseline
▲ 0.50% · 4.625%
HK$34,180
+HK$1,960/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,440/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,729
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,634
−HK$918/mo
Today · 4.125%
HK$35,552
baseline
▲ 0.50% · 4.625%
HK$37,426
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,104/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,372
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,472
−HK$1,118/mo
Today · 4.125%
HK$37,590
baseline
▲ 0.50% · 4.625%
HK$39,877
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$75,180/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,351
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,406
−HK$1,071/mo
Today · 4.125%
HK$41,477
baseline
▲ 0.50% · 4.625%
HK$43,663
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$82,954/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,478
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,893
−HK$1,437/mo
Today · 4.125%
HK$48,330
baseline
▲ 0.50% · 4.625%
HK$51,271
+HK$2,941/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,660/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,594
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,951
−HK$1,376/mo
Today · 4.125%
HK$53,327
baseline
▲ 0.50% · 4.625%
HK$56,138
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,654/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,506 · Scale 2, in force from 26 Feb 2026)