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$25,269
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,055
−HK$798/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$415,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,111
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,865
−HK$765/mo
Today · 4.125%
HK$29,630
baseline
▲ 0.50% · 4.625%
HK$31,192
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,260/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,322
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,266
−HK$958/mo
Today · 4.125%
HK$32,224
baseline
▲ 0.50% · 4.625%
HK$34,185
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,448/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,733
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,638
−HK$918/mo
Today · 4.125%
HK$35,556
baseline
▲ 0.50% · 4.625%
HK$37,430
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,112/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,376
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,477
−HK$1,118/mo
Today · 4.125%
HK$37,595
baseline
▲ 0.50% · 4.625%
HK$39,882
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$75,190/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,356
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,411
−HK$1,071/mo
Today · 4.125%
HK$41,482
baseline
▲ 0.50% · 4.625%
HK$43,668
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$82,964/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,484
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,898
−HK$1,438/mo
Today · 4.125%
HK$48,336
baseline
▲ 0.50% · 4.625%
HK$51,277
+HK$2,941/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,672/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,600
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,957
−HK$1,377/mo
Today · 4.125%
HK$53,334
baseline
▲ 0.50% · 4.625%
HK$56,145
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,668/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,557 · Scale 2, in force from 26 Feb 2026)