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$25,268
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,054
−HK$798/mo
Today · 4.125%
HK$26,852
baseline
▲ 0.50% · 4.625%
HK$28,486
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,704/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,110
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,864
−HK$765/mo
Today · 4.125%
HK$29,629
baseline
▲ 0.50% · 4.625%
HK$31,190
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,258/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,321
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,264
−HK$958/mo
Today · 4.125%
HK$32,222
baseline
▲ 0.50% · 4.625%
HK$34,183
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,444/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,732
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,637
−HK$917/mo
Today · 4.125%
HK$35,554
baseline
▲ 0.50% · 4.625%
HK$37,428
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,108/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,375
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,475
−HK$1,118/mo
Today · 4.125%
HK$37,593
baseline
▲ 0.50% · 4.625%
HK$39,880
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$75,186/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,354
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,409
−HK$1,071/mo
Today · 4.125%
HK$41,480
baseline
▲ 0.50% · 4.625%
HK$43,667
+HK$2,187/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$82,960/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,482
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,896
−HK$1,438/mo
Today · 4.125%
HK$48,334
baseline
▲ 0.50% · 4.625%
HK$51,275
+HK$2,941/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,668/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,598
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,955
−HK$1,377/mo
Today · 4.125%
HK$53,332
baseline
▲ 0.50% · 4.625%
HK$56,143
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,664/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,539 · Scale 2, in force from 26 Feb 2026)