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$25,273
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,060
−HK$798/mo
Today · 4.125%
HK$26,858
baseline
▲ 0.50% · 4.625%
HK$28,493
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,716/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,117
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,871
−HK$765/mo
Today · 4.125%
HK$29,636
baseline
▲ 0.50% · 4.625%
HK$31,198
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,272/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,328
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,272
−HK$958/mo
Today · 4.125%
HK$32,230
baseline
▲ 0.50% · 4.625%
HK$34,191
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,460/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,740
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,645
−HK$918/mo
Today · 4.125%
HK$35,563
baseline
▲ 0.50% · 4.625%
HK$37,437
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,126/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,383
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,483
−HK$1,119/mo
Today · 4.125%
HK$37,602
baseline
▲ 0.50% · 4.625%
HK$39,890
+HK$2,288/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,204/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,363
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,419
−HK$1,071/mo
Today · 4.125%
HK$41,490
baseline
▲ 0.50% · 4.625%
HK$43,677
+HK$2,187/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$82,980/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,492
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,907
−HK$1,438/mo
Today · 4.125%
HK$48,345
baseline
▲ 0.50% · 4.625%
HK$51,287
+HK$2,942/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,690/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,610
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,967
−HK$1,377/mo
Today · 4.125%
HK$53,344
baseline
▲ 0.50% · 4.625%
HK$56,156
+HK$2,812/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,688/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,636 · Scale 2, in force from 26 Feb 2026)