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$25,256
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,041
−HK$798/mo
Today · 4.125%
HK$26,839
baseline
▲ 0.50% · 4.625%
HK$28,473
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,678/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,097
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,850
−HK$765/mo
Today · 4.125%
HK$29,615
baseline
▲ 0.50% · 4.625%
HK$31,176
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,230/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,307
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,249
−HK$958/mo
Today · 4.125%
HK$32,207
baseline
▲ 0.50% · 4.625%
HK$34,167
+HK$1,960/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,414/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,716
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,620
−HK$918/mo
Today · 4.125%
HK$35,538
baseline
▲ 0.50% · 4.625%
HK$37,411
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,076/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,358
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,458
−HK$1,117/mo
Today · 4.125%
HK$37,575
baseline
▲ 0.50% · 4.625%
HK$39,862
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,150/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,335
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,390
−HK$1,070/mo
Today · 4.125%
HK$41,460
baseline
▲ 0.50% · 4.625%
HK$43,646
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,920/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,460
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,874
−HK$1,437/mo
Today · 4.125%
HK$48,311
baseline
▲ 0.50% · 4.625%
HK$51,251
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,622/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,574
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,930
−HK$1,376/mo
Today · 4.125%
HK$53,306
baseline
▲ 0.50% · 4.625%
HK$56,116
+HK$2,810/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,612/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,343 · Scale 2, in force from 26 Feb 2026)