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$25,280
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,066
−HK$799/mo
Today · 4.125%
HK$26,865
baseline
▲ 0.50% · 4.625%
HK$28,500
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,730/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,124
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,878
−HK$765/mo
Today · 4.125%
HK$29,643
baseline
▲ 0.50% · 4.625%
HK$31,206
+HK$1,563/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,286/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,336
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,280
−HK$958/mo
Today · 4.125%
HK$32,238
baseline
▲ 0.50% · 4.625%
HK$34,200
+HK$1,962/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,476/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,748
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,654
−HK$918/mo
Today · 4.125%
HK$35,572
baseline
▲ 0.50% · 4.625%
HK$37,447
+HK$1,875/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,144/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,392
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,493
−HK$1,118/mo
Today · 4.125%
HK$37,611
baseline
▲ 0.50% · 4.625%
HK$39,900
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,222/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,373
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,429
−HK$1,071/mo
Today · 4.125%
HK$41,500
baseline
▲ 0.50% · 4.625%
HK$43,688
+HK$2,188/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,000/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,504
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,919
−HK$1,438/mo
Today · 4.125%
HK$48,357
baseline
▲ 0.50% · 4.625%
HK$51,300
+HK$2,943/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,714/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,623
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,980
−HK$1,378/mo
Today · 4.125%
HK$53,358
baseline
▲ 0.50% · 4.625%
HK$56,170
+HK$2,812/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,716/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,742 · Scale 2, in force from 26 Feb 2026)