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$25,281
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,068
−HK$799/mo
Today · 4.125%
HK$26,867
baseline
▲ 0.50% · 4.625%
HK$28,501
+HK$1,634/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$415,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,125
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,880
−HK$765/mo
Today · 4.125%
HK$29,645
baseline
▲ 0.50% · 4.625%
HK$31,207
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,290/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,338
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,281
−HK$959/mo
Today · 4.125%
HK$32,240
baseline
▲ 0.50% · 4.625%
HK$34,202
+HK$1,962/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,480/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,750
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,655
−HK$919/mo
Today · 4.125%
HK$35,574
baseline
▲ 0.50% · 4.625%
HK$37,449
+HK$1,875/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,148/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,394
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,495
−HK$1,118/mo
Today · 4.125%
HK$37,613
baseline
▲ 0.50% · 4.625%
HK$39,902
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,226/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,375
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,431
−HK$1,072/mo
Today · 4.125%
HK$41,503
baseline
▲ 0.50% · 4.625%
HK$43,690
+HK$2,187/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,006/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,506
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,922
−HK$1,438/mo
Today · 4.125%
HK$48,360
baseline
▲ 0.50% · 4.625%
HK$51,303
+HK$2,943/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,720/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,625
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,983
−HK$1,378/mo
Today · 4.125%
HK$53,361
baseline
▲ 0.50% · 4.625%
HK$56,173
+HK$2,812/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,722/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,765 · Scale 2, in force from 26 Feb 2026)