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$25,286
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,073
−HK$799/mo
Today · 4.125%
HK$26,872
baseline
▲ 0.50% · 4.625%
HK$28,507
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,744/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,130
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,885
−HK$765/mo
Today · 4.125%
HK$29,650
baseline
▲ 0.50% · 4.625%
HK$31,213
+HK$1,563/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,300/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,343
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,287
−HK$959/mo
Today · 4.125%
HK$32,246
baseline
▲ 0.50% · 4.625%
HK$34,208
+HK$1,962/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$64,492/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,756
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,662
−HK$918/mo
Today · 4.125%
HK$35,580
baseline
▲ 0.50% · 4.625%
HK$37,456
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$71,160/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,400
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,502
−HK$1,118/mo
Today · 4.125%
HK$37,620
baseline
▲ 0.50% · 4.625%
HK$39,909
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,240/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,383
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,439
−HK$1,071/mo
Today · 4.125%
HK$41,510
baseline
▲ 0.50% · 4.625%
HK$43,698
+HK$2,188/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,020/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,515
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,931
−HK$1,438/mo
Today · 4.125%
HK$48,369
baseline
▲ 0.50% · 4.625%
HK$51,312
+HK$2,943/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,738/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,635
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,993
−HK$1,377/mo
Today · 4.125%
HK$53,370
baseline
▲ 0.50% · 4.625%
HK$56,184
+HK$2,814/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,740/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,842 · Scale 2, in force from 26 Feb 2026)