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$25,263
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,049
−HK$799/mo
Today · 4.125%
HK$26,848
baseline
▲ 0.50% · 4.625%
HK$28,481
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,696/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,105
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,859
−HK$765/mo
Today · 4.125%
HK$29,624
baseline
▲ 0.50% · 4.625%
HK$31,185
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,248/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,316
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,259
−HK$958/mo
Today · 4.125%
HK$32,217
baseline
▲ 0.50% · 4.625%
HK$34,177
+HK$1,960/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,434/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,726
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,631
−HK$917/mo
Today · 4.125%
HK$35,548
baseline
▲ 0.50% · 4.625%
HK$37,422
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,096/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,369
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,469
−HK$1,118/mo
Today · 4.125%
HK$37,587
baseline
▲ 0.50% · 4.625%
HK$39,874
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$75,174/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,347
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,403
−HK$1,070/mo
Today · 4.125%
HK$41,473
baseline
▲ 0.50% · 4.625%
HK$43,659
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$82,946/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,474
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,888
−HK$1,438/mo
Today · 4.125%
HK$48,326
baseline
▲ 0.50% · 4.625%
HK$51,266
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,652/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,589
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,946
−HK$1,376/mo
Today · 4.125%
HK$53,322
baseline
▲ 0.50% · 4.625%
HK$56,133
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,644/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,469 · Scale 2, in force from 26 Feb 2026)