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$25,244
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,029
−HK$798/mo
Today · 4.125%
HK$26,827
baseline
▲ 0.50% · 4.625%
HK$28,459
+HK$1,632/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,654/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,084
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,837
−HK$764/mo
Today · 4.125%
HK$29,601
baseline
▲ 0.50% · 4.625%
HK$31,161
+HK$1,560/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,202/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,293
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,235
−HK$957/mo
Today · 4.125%
HK$32,192
baseline
▲ 0.50% · 4.625%
HK$34,151
+HK$1,959/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,384/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,700
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,604
−HK$917/mo
Today · 4.125%
HK$35,521
baseline
▲ 0.50% · 4.625%
HK$37,394
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,042/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,342
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,441
−HK$1,117/mo
Today · 4.125%
HK$37,558
baseline
▲ 0.50% · 4.625%
HK$39,843
+HK$2,285/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,116/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,317
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,372
−HK$1,069/mo
Today · 4.125%
HK$41,441
baseline
▲ 0.50% · 4.625%
HK$43,626
+HK$2,185/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,882/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,439
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,853
−HK$1,436/mo
Today · 4.125%
HK$48,289
baseline
▲ 0.50% · 4.625%
HK$51,227
+HK$2,938/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,578/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,551
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,906
−HK$1,376/mo
Today · 4.125%
HK$53,282
baseline
▲ 0.50% · 4.625%
HK$56,090
+HK$2,808/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,564/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,151 · Scale 2, in force from 26 Feb 2026)