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$25,250
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,036
−HK$798/mo
Today · 4.125%
HK$26,834
baseline
▲ 0.50% · 4.625%
HK$28,467
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,668/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,091
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,844
−HK$764/mo
Today · 4.125%
HK$29,608
baseline
▲ 0.50% · 4.625%
HK$31,169
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,216/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,300
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,243
−HK$958/mo
Today · 4.125%
HK$32,201
baseline
▲ 0.50% · 4.625%
HK$34,160
+HK$1,959/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,402/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,709
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,613
−HK$917/mo
Today · 4.125%
HK$35,530
baseline
▲ 0.50% · 4.625%
HK$37,403
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,060/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,351
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,450
−HK$1,117/mo
Today · 4.125%
HK$37,567
baseline
▲ 0.50% · 4.625%
HK$39,853
+HK$2,286/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,134/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,327
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,382
−HK$1,070/mo
Today · 4.125%
HK$41,452
baseline
▲ 0.50% · 4.625%
HK$43,637
+HK$2,185/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,904/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,451
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,864
−HK$1,437/mo
Today · 4.125%
HK$48,301
baseline
▲ 0.50% · 4.625%
HK$51,240
+HK$2,939/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,602/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,563
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,920
−HK$1,375/mo
Today · 4.125%
HK$53,295
baseline
▲ 0.50% · 4.625%
HK$56,105
+HK$2,810/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,590/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,256 · Scale 2, in force from 26 Feb 2026)