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$25,247
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,033
−HK$797/mo
Today · 4.125%
HK$26,830
baseline
▲ 0.50% · 4.625%
HK$28,463
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,660/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,087
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,841
−HK$764/mo
Today · 4.125%
HK$29,605
baseline
▲ 0.50% · 4.625%
HK$31,165
+HK$1,560/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,210/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,297
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,239
−HK$957/mo
Today · 4.125%
HK$32,196
baseline
▲ 0.50% · 4.625%
HK$34,156
+HK$1,960/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,392/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,705
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,609
−HK$917/mo
Today · 4.125%
HK$35,526
baseline
▲ 0.50% · 4.625%
HK$37,398
+HK$1,872/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,052/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,346
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,446
−HK$1,117/mo
Today · 4.125%
HK$37,563
baseline
▲ 0.50% · 4.625%
HK$39,848
+HK$2,285/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,126/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,322
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,377
−HK$1,070/mo
Today · 4.125%
HK$41,447
baseline
▲ 0.50% · 4.625%
HK$43,631
+HK$2,184/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,894/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,445
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,859
−HK$1,436/mo
Today · 4.125%
HK$48,295
baseline
▲ 0.50% · 4.625%
HK$51,233
+HK$2,938/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,590/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,557
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,913
−HK$1,375/mo
Today · 4.125%
HK$53,288
baseline
▲ 0.50% · 4.625%
HK$56,097
+HK$2,809/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,576/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,204 · Scale 2, in force from 26 Feb 2026)