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$25,244
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,030
−HK$797/mo
Today · 4.125%
HK$26,827
baseline
▲ 0.50% · 4.625%
HK$28,460
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,654/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,084
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,837
−HK$764/mo
Today · 4.125%
HK$29,601
baseline
▲ 0.50% · 4.625%
HK$31,162
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,202/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,293
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,235
−HK$958/mo
Today · 4.125%
HK$32,193
baseline
▲ 0.50% · 4.625%
HK$34,152
+HK$1,959/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,386/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,701
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,605
−HK$917/mo
Today · 4.125%
HK$35,522
baseline
▲ 0.50% · 4.625%
HK$37,394
+HK$1,872/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,044/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,342
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,441
−HK$1,117/mo
Today · 4.125%
HK$37,558
baseline
▲ 0.50% · 4.625%
HK$39,844
+HK$2,286/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,116/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,318
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,372
−HK$1,070/mo
Today · 4.125%
HK$41,442
baseline
▲ 0.50% · 4.625%
HK$43,626
+HK$2,184/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,884/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,440
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,853
−HK$1,436/mo
Today · 4.125%
HK$48,289
baseline
▲ 0.50% · 4.625%
HK$51,227
+HK$2,938/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,578/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,551
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,907
−HK$1,375/mo
Today · 4.125%
HK$53,282
baseline
▲ 0.50% · 4.625%
HK$56,091
+HK$2,809/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,564/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,156 · Scale 2, in force from 26 Feb 2026)