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$25,245
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,030
−HK$798/mo
Today · 4.125%
HK$26,828
baseline
▲ 0.50% · 4.625%
HK$28,460
+HK$1,632/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,656/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,085
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,838
−HK$764/mo
Today · 4.125%
HK$29,602
baseline
▲ 0.50% · 4.625%
HK$31,162
+HK$1,560/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,204/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,294
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,236
−HK$957/mo
Today · 4.125%
HK$32,193
baseline
▲ 0.50% · 4.625%
HK$34,152
+HK$1,959/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,386/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,701
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,605
−HK$917/mo
Today · 4.125%
HK$35,522
baseline
▲ 0.50% · 4.625%
HK$37,395
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,044/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,343
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,442
−HK$1,117/mo
Today · 4.125%
HK$37,559
baseline
▲ 0.50% · 4.625%
HK$39,844
+HK$2,285/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,118/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,318
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,373
−HK$1,070/mo
Today · 4.125%
HK$41,443
baseline
▲ 0.50% · 4.625%
HK$43,627
+HK$2,184/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,886/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,441
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,854
−HK$1,436/mo
Today · 4.125%
HK$48,290
baseline
▲ 0.50% · 4.625%
HK$51,228
+HK$2,938/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,580/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,552
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,908
−HK$1,375/mo
Today · 4.125%
HK$53,283
baseline
▲ 0.50% · 4.625%
HK$56,092
+HK$2,809/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,566/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,164 · Scale 2, in force from 26 Feb 2026)