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$25,283
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,069
−HK$799/mo
Today · 4.125%
HK$26,868
baseline
▲ 0.50% · 4.625%
HK$28,503
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,736/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,127
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,881
−HK$766/mo
Today · 4.125%
HK$29,647
baseline
▲ 0.50% · 4.625%
HK$31,209
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,294/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,339
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,283
−HK$959/mo
Today · 4.125%
HK$32,242
baseline
▲ 0.50% · 4.625%
HK$34,204
+HK$1,962/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$64,484/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,752
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,658
−HK$918/mo
Today · 4.125%
HK$35,576
baseline
▲ 0.50% · 4.625%
HK$37,451
+HK$1,875/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$71,152/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,396
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,497
−HK$1,119/mo
Today · 4.125%
HK$37,616
baseline
▲ 0.50% · 4.625%
HK$39,904
+HK$2,288/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,232/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,378
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,434
−HK$1,071/mo
Today · 4.125%
HK$41,505
baseline
▲ 0.50% · 4.625%
HK$43,693
+HK$2,188/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,010/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,509
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,925
−HK$1,438/mo
Today · 4.125%
HK$48,363
baseline
▲ 0.50% · 4.625%
HK$51,306
+HK$2,943/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,726/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,629
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,986
−HK$1,378/mo
Today · 4.125%
HK$53,364
baseline
▲ 0.50% · 4.625%
HK$56,177
+HK$2,813/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,728/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,791 · Scale 2, in force from 26 Feb 2026)