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$25,258
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,043
−HK$799/mo
Today · 4.125%
HK$26,842
baseline
▲ 0.50% · 4.625%
HK$28,475
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,684/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,099
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,852
−HK$765/mo
Today · 4.125%
HK$29,617
baseline
▲ 0.50% · 4.625%
HK$31,178
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,234/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,309
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,252
−HK$958/mo
Today · 4.125%
HK$32,210
baseline
▲ 0.50% · 4.625%
HK$34,170
+HK$1,960/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,420/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,719
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,623
−HK$917/mo
Today · 4.125%
HK$35,540
baseline
▲ 0.50% · 4.625%
HK$37,414
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,080/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,361
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,461
−HK$1,117/mo
Today · 4.125%
HK$37,578
baseline
▲ 0.50% · 4.625%
HK$39,865
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,156/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,338
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,393
−HK$1,071/mo
Today · 4.125%
HK$41,464
baseline
▲ 0.50% · 4.625%
HK$43,649
+HK$2,185/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,928/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,464
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,878
−HK$1,437/mo
Today · 4.125%
HK$48,315
baseline
▲ 0.50% · 4.625%
HK$51,255
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,630/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,578
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,934
−HK$1,377/mo
Today · 4.125%
HK$53,311
baseline
▲ 0.50% · 4.625%
HK$56,121
+HK$2,810/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,622/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,376 · Scale 2, in force from 26 Feb 2026)