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$25,257
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,042
−HK$799/mo
Today · 4.125%
HK$26,841
baseline
▲ 0.50% · 4.625%
HK$28,474
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,682/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,098
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,851
−HK$765/mo
Today · 4.125%
HK$29,616
baseline
▲ 0.50% · 4.625%
HK$31,177
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,232/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,308
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,251
−HK$958/mo
Today · 4.125%
HK$32,209
baseline
▲ 0.50% · 4.625%
HK$34,168
+HK$1,959/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,418/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,717
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,622
−HK$917/mo
Today · 4.125%
HK$35,539
baseline
▲ 0.50% · 4.625%
HK$37,412
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,078/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,359
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,459
−HK$1,118/mo
Today · 4.125%
HK$37,577
baseline
▲ 0.50% · 4.625%
HK$39,863
+HK$2,286/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,154/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,337
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,392
−HK$1,070/mo
Today · 4.125%
HK$41,462
baseline
▲ 0.50% · 4.625%
HK$43,648
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,924/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,462
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,876
−HK$1,437/mo
Today · 4.125%
HK$48,313
baseline
▲ 0.50% · 4.625%
HK$51,253
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,626/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,576
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,932
−HK$1,377/mo
Today · 4.125%
HK$53,309
baseline
▲ 0.50% · 4.625%
HK$56,118
+HK$2,809/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,618/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,360 · Scale 2, in force from 26 Feb 2026)