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$25,263
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,049
−HK$798/mo
Today · 4.125%
HK$26,847
baseline
▲ 0.50% · 4.625%
HK$28,481
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,694/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,105
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,858
−HK$765/mo
Today · 4.125%
HK$29,623
baseline
▲ 0.50% · 4.625%
HK$31,184
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,246/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,315
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,258
−HK$958/mo
Today · 4.125%
HK$32,216
baseline
▲ 0.50% · 4.625%
HK$34,177
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,432/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,726
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,630
−HK$918/mo
Today · 4.125%
HK$35,548
baseline
▲ 0.50% · 4.625%
HK$37,421
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,096/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,368
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,468
−HK$1,118/mo
Today · 4.125%
HK$37,586
baseline
▲ 0.50% · 4.625%
HK$39,873
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$75,172/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,346
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,402
−HK$1,070/mo
Today · 4.125%
HK$41,472
baseline
▲ 0.50% · 4.625%
HK$43,658
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$82,944/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,473
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,888
−HK$1,437/mo
Today · 4.125%
HK$48,325
baseline
▲ 0.50% · 4.625%
HK$51,265
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,650/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,588
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,945
−HK$1,376/mo
Today · 4.125%
HK$53,321
baseline
▲ 0.50% · 4.625%
HK$56,132
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,642/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,460 · Scale 2, in force from 26 Feb 2026)