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$25,253
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,038
−HK$798/mo
Today · 4.125%
HK$26,836
baseline
▲ 0.50% · 4.625%
HK$28,469
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,672/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,093
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,847
−HK$764/mo
Today · 4.125%
HK$29,611
baseline
▲ 0.50% · 4.625%
HK$31,172
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,222/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,303
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,246
−HK$958/mo
Today · 4.125%
HK$32,204
baseline
▲ 0.50% · 4.625%
HK$34,163
+HK$1,959/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,408/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,712
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,616
−HK$918/mo
Today · 4.125%
HK$35,534
baseline
▲ 0.50% · 4.625%
HK$37,407
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,068/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,354
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,454
−HK$1,117/mo
Today · 4.125%
HK$37,571
baseline
▲ 0.50% · 4.625%
HK$39,857
+HK$2,286/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,142/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,331
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,386
−HK$1,070/mo
Today · 4.125%
HK$41,456
baseline
▲ 0.50% · 4.625%
HK$43,641
+HK$2,185/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,912/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,455
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,869
−HK$1,436/mo
Today · 4.125%
HK$48,305
baseline
▲ 0.50% · 4.625%
HK$51,245
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,610/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,568
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,925
−HK$1,375/mo
Today · 4.125%
HK$53,300
baseline
▲ 0.50% · 4.625%
HK$56,110
+HK$2,810/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,600/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,296 · Scale 2, in force from 26 Feb 2026)