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$25,282
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,068
−HK$799/mo
Today · 4.125%
HK$26,867
baseline
▲ 0.50% · 4.625%
HK$28,502
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,734/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,126
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,880
−HK$766/mo
Today · 4.125%
HK$29,646
baseline
▲ 0.50% · 4.625%
HK$31,208
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,292/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,338
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,282
−HK$959/mo
Today · 4.125%
HK$32,241
baseline
▲ 0.50% · 4.625%
HK$34,203
+HK$1,962/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,482/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,751
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,656
−HK$919/mo
Today · 4.125%
HK$35,575
baseline
▲ 0.50% · 4.625%
HK$37,450
+HK$1,875/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,150/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,395
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,496
−HK$1,118/mo
Today · 4.125%
HK$37,614
baseline
▲ 0.50% · 4.625%
HK$39,903
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,228/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,376
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,432
−HK$1,072/mo
Today · 4.125%
HK$41,504
baseline
▲ 0.50% · 4.625%
HK$43,692
+HK$2,188/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,008/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,508
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,923
−HK$1,438/mo
Today · 4.125%
HK$48,361
baseline
▲ 0.50% · 4.625%
HK$51,304
+HK$2,943/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,722/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,627
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,985
−HK$1,377/mo
Today · 4.125%
HK$53,362
baseline
▲ 0.50% · 4.625%
HK$56,175
+HK$2,813/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,724/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,777 · Scale 2, in force from 26 Feb 2026)