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$25,281
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,067
−HK$799/mo
Today · 4.125%
HK$26,866
baseline
▲ 0.50% · 4.625%
HK$28,501
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,732/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,125
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,879
−HK$765/mo
Today · 4.125%
HK$29,644
baseline
▲ 0.50% · 4.625%
HK$31,207
+HK$1,563/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,288/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,337
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,281
−HK$959/mo
Today · 4.125%
HK$32,240
baseline
▲ 0.50% · 4.625%
HK$34,201
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,480/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,750
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,655
−HK$918/mo
Today · 4.125%
HK$35,573
baseline
▲ 0.50% · 4.625%
HK$37,448
+HK$1,875/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,146/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,393
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,494
−HK$1,119/mo
Today · 4.125%
HK$37,613
baseline
▲ 0.50% · 4.625%
HK$39,902
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,226/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,375
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,431
−HK$1,071/mo
Today · 4.125%
HK$41,502
baseline
▲ 0.50% · 4.625%
HK$43,690
+HK$2,188/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,004/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,506
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,921
−HK$1,439/mo
Today · 4.125%
HK$48,360
baseline
▲ 0.50% · 4.625%
HK$51,302
+HK$2,942/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,720/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,625
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,983
−HK$1,377/mo
Today · 4.125%
HK$53,360
baseline
▲ 0.50% · 4.625%
HK$56,173
+HK$2,813/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,720/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,761 · Scale 2, in force from 26 Feb 2026)