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$25,279
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,065
−HK$799/mo
Today · 4.125%
HK$26,864
baseline
▲ 0.50% · 4.625%
HK$28,499
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,728/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,123
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,877
−HK$765/mo
Today · 4.125%
HK$29,642
baseline
▲ 0.50% · 4.625%
HK$31,205
+HK$1,563/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,284/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,335
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,279
−HK$958/mo
Today · 4.125%
HK$32,237
baseline
▲ 0.50% · 4.625%
HK$34,199
+HK$1,962/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,474/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,747
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,652
−HK$919/mo
Today · 4.125%
HK$35,571
baseline
▲ 0.50% · 4.625%
HK$37,446
+HK$1,875/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,142/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,391
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,492
−HK$1,118/mo
Today · 4.125%
HK$37,610
baseline
▲ 0.50% · 4.625%
HK$39,899
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,220/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,372
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,428
−HK$1,071/mo
Today · 4.125%
HK$41,499
baseline
▲ 0.50% · 4.625%
HK$43,686
+HK$2,187/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$82,998/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,502
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,918
−HK$1,438/mo
Today · 4.125%
HK$48,356
baseline
▲ 0.50% · 4.625%
HK$51,298
+HK$2,942/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,712/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,621
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,979
−HK$1,377/mo
Today · 4.125%
HK$53,356
baseline
▲ 0.50% · 4.625%
HK$56,168
+HK$2,812/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,712/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,729 · Scale 2, in force from 26 Feb 2026)