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$25,273
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,059
−HK$799/mo
Today · 4.125%
HK$26,858
baseline
▲ 0.50% · 4.625%
HK$28,492
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,716/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,116
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,870
−HK$765/mo
Today · 4.125%
HK$29,635
baseline
▲ 0.50% · 4.625%
HK$31,197
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,270/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,328
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,271
−HK$958/mo
Today · 4.125%
HK$32,229
baseline
▲ 0.50% · 4.625%
HK$34,191
+HK$1,962/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,458/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,739
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,644
−HK$918/mo
Today · 4.125%
HK$35,562
baseline
▲ 0.50% · 4.625%
HK$37,437
+HK$1,875/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,124/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,382
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,483
−HK$1,118/mo
Today · 4.125%
HK$37,601
baseline
▲ 0.50% · 4.625%
HK$39,889
+HK$2,288/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,202/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,362
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,418
−HK$1,071/mo
Today · 4.125%
HK$41,489
baseline
▲ 0.50% · 4.625%
HK$43,676
+HK$2,187/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$82,978/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,492
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,907
−HK$1,437/mo
Today · 4.125%
HK$48,344
baseline
▲ 0.50% · 4.625%
HK$51,286
+HK$2,942/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,688/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,609
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,966
−HK$1,377/mo
Today · 4.125%
HK$53,343
baseline
▲ 0.50% · 4.625%
HK$56,155
+HK$2,812/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,686/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,629 · Scale 2, in force from 26 Feb 2026)