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$25,259
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,044
−HK$798/mo
Today · 4.125%
HK$26,842
baseline
▲ 0.50% · 4.625%
HK$28,476
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,684/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,100
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,853
−HK$765/mo
Today · 4.125%
HK$29,618
baseline
▲ 0.50% · 4.625%
HK$31,179
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,236/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,310
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,253
−HK$958/mo
Today · 4.125%
HK$32,211
baseline
▲ 0.50% · 4.625%
HK$34,171
+HK$1,960/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,422/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,720
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,624
−HK$918/mo
Today · 4.125%
HK$35,542
baseline
▲ 0.50% · 4.625%
HK$37,415
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,084/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,362
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,462
−HK$1,117/mo
Today · 4.125%
HK$37,579
baseline
▲ 0.50% · 4.625%
HK$39,866
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,158/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,340
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,395
−HK$1,070/mo
Today · 4.125%
HK$41,465
baseline
▲ 0.50% · 4.625%
HK$43,651
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,930/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,465
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,880
−HK$1,436/mo
Today · 4.125%
HK$48,316
baseline
▲ 0.50% · 4.625%
HK$51,256
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,632/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,580
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,936
−HK$1,376/mo
Today · 4.125%
HK$53,312
baseline
▲ 0.50% · 4.625%
HK$56,123
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,624/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,390 · Scale 2, in force from 26 Feb 2026)