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$25,266
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,052
−HK$799/mo
Today · 4.125%
HK$26,851
baseline
▲ 0.50% · 4.625%
HK$28,485
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,702/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,109
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,862
−HK$765/mo
Today · 4.125%
HK$29,627
baseline
▲ 0.50% · 4.625%
HK$31,189
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,254/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,320
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,263
−HK$958/mo
Today · 4.125%
HK$32,221
baseline
▲ 0.50% · 4.625%
HK$34,181
+HK$1,960/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,442/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,730
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,635
−HK$918/mo
Today · 4.125%
HK$35,553
baseline
▲ 0.50% · 4.625%
HK$37,427
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,106/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,373
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,473
−HK$1,118/mo
Today · 4.125%
HK$37,591
baseline
▲ 0.50% · 4.625%
HK$39,878
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$75,182/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,352
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,407
−HK$1,071/mo
Today · 4.125%
HK$41,478
baseline
▲ 0.50% · 4.625%
HK$43,664
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$82,956/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,479
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,894
−HK$1,437/mo
Today · 4.125%
HK$48,331
baseline
▲ 0.50% · 4.625%
HK$51,272
+HK$2,941/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,662/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,595
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,952
−HK$1,377/mo
Today · 4.125%
HK$53,329
baseline
▲ 0.50% · 4.625%
HK$56,140
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,658/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,518 · Scale 2, in force from 26 Feb 2026)