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$25,268
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,054
−HK$799/mo
Today · 4.125%
HK$26,853
baseline
▲ 0.50% · 4.625%
HK$28,487
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,706/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,111
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,865
−HK$764/mo
Today · 4.125%
HK$29,629
baseline
▲ 0.50% · 4.625%
HK$31,191
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,258/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,322
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,265
−HK$958/mo
Today · 4.125%
HK$32,223
baseline
▲ 0.50% · 4.625%
HK$34,184
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,446/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,733
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,638
−HK$917/mo
Today · 4.125%
HK$35,555
baseline
▲ 0.50% · 4.625%
HK$37,430
+HK$1,875/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,110/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,376
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,476
−HK$1,118/mo
Today · 4.125%
HK$37,594
baseline
▲ 0.50% · 4.625%
HK$39,882
+HK$2,288/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$75,188/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,355
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,411
−HK$1,070/mo
Today · 4.125%
HK$41,481
baseline
▲ 0.50% · 4.625%
HK$43,668
+HK$2,187/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$82,962/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,483
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,898
−HK$1,437/mo
Today · 4.125%
HK$48,335
baseline
▲ 0.50% · 4.625%
HK$51,276
+HK$2,941/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,670/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,599
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,956
−HK$1,377/mo
Today · 4.125%
HK$53,333
baseline
▲ 0.50% · 4.625%
HK$56,144
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,666/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,551 · Scale 2, in force from 26 Feb 2026)