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$1,584/mo
▼ 0.25% · 3.875%
HK$26,042
−HK$798/mo
Today · 4.125%
HK$26,840
baseline
▲ 0.50% · 4.625%
HK$28,473
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,680/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,097
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,851
−HK$764/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$415,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,307
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,250
−HK$958/mo
Today · 4.125%
HK$32,208
baseline
▲ 0.50% · 4.625%
HK$34,167
+HK$1,959/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,416/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,716
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,621
−HK$917/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$415,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,358
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,458
−HK$1,118/mo
Today · 4.125%
HK$37,576
baseline
▲ 0.50% · 4.625%
HK$39,862
+HK$2,286/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,152/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,336
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,391
−HK$1,070/mo
Today · 4.125%
HK$41,461
baseline
▲ 0.50% · 4.625%
HK$43,646
+HK$2,185/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,922/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,461
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,875
−HK$1,436/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$415,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,575
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,931
−HK$1,376/mo
Today · 4.125%
HK$53,307
baseline
▲ 0.50% · 4.625%
HK$56,117
+HK$2,810/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,614/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,347 · Scale 2, in force from 26 Feb 2026)