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$25,251
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,037
−HK$798/mo
Today · 4.125%
HK$26,835
baseline
▲ 0.50% · 4.625%
HK$28,467
+HK$1,632/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,670/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,092
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,845
−HK$764/mo
Today · 4.125%
HK$29,609
baseline
▲ 0.50% · 4.625%
HK$31,170
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,218/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,301
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,244
−HK$958/mo
Today · 4.125%
HK$32,202
baseline
▲ 0.50% · 4.625%
HK$34,161
+HK$1,959/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,404/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,710
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,614
−HK$917/mo
Today · 4.125%
HK$35,531
baseline
▲ 0.50% · 4.625%
HK$37,404
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,062/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,352
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,451
−HK$1,117/mo
Today · 4.125%
HK$37,568
baseline
▲ 0.50% · 4.625%
HK$39,854
+HK$2,286/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,136/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,328
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,383
−HK$1,070/mo
Today · 4.125%
HK$41,453
baseline
▲ 0.50% · 4.625%
HK$43,638
+HK$2,185/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,906/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,452
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,866
−HK$1,436/mo
Today · 4.125%
HK$48,302
baseline
▲ 0.50% · 4.625%
HK$51,241
+HK$2,939/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,604/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,565
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,921
−HK$1,376/mo
Today · 4.125%
HK$53,297
baseline
▲ 0.50% · 4.625%
HK$56,106
+HK$2,809/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,594/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,269 · Scale 2, in force from 26 Feb 2026)