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$25,262
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,048
−HK$798/mo
Today · 4.125%
HK$26,846
baseline
▲ 0.50% · 4.625%
HK$28,480
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,692/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,104
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,857
−HK$765/mo
Today · 4.125%
HK$29,622
baseline
▲ 0.50% · 4.625%
HK$31,183
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,244/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,314
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,257
−HK$958/mo
Today · 4.125%
HK$32,215
baseline
▲ 0.50% · 4.625%
HK$34,176
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,430/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,724
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,629
−HK$917/mo
Today · 4.125%
HK$35,546
baseline
▲ 0.50% · 4.625%
HK$37,420
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,092/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,367
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,467
−HK$1,118/mo
Today · 4.125%
HK$37,585
baseline
▲ 0.50% · 4.625%
HK$39,871
+HK$2,286/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,170/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,345
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,400
−HK$1,071/mo
Today · 4.125%
HK$41,471
baseline
▲ 0.50% · 4.625%
HK$43,657
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,942/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,472
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,886
−HK$1,437/mo
Today · 4.125%
HK$48,323
baseline
▲ 0.50% · 4.625%
HK$51,263
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,646/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,587
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,943
−HK$1,377/mo
Today · 4.125%
HK$53,320
baseline
▲ 0.50% · 4.625%
HK$56,130
+HK$2,810/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,640/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,447 · Scale 2, in force from 26 Feb 2026)