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$25,284
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,071
−HK$799/mo
Today · 4.125%
HK$26,870
baseline
▲ 0.50% · 4.625%
HK$28,505
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,740/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,129
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,883
−HK$765/mo
Today · 4.125%
HK$29,648
baseline
▲ 0.50% · 4.625%
HK$31,211
+HK$1,563/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,296/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,341
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,285
−HK$959/mo
Today · 4.125%
HK$32,244
baseline
▲ 0.50% · 4.625%
HK$34,206
+HK$1,962/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$64,488/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,754
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,660
−HK$918/mo
Today · 4.125%
HK$35,578
baseline
▲ 0.50% · 4.625%
HK$37,453
+HK$1,875/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$71,156/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,398
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,499
−HK$1,119/mo
Today · 4.125%
HK$37,618
baseline
▲ 0.50% · 4.625%
HK$39,907
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,236/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,380
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,436
−HK$1,072/mo
Today · 4.125%
HK$41,508
baseline
▲ 0.50% · 4.625%
HK$43,695
+HK$2,187/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,016/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,512
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,927
−HK$1,439/mo
Today · 4.125%
HK$48,366
baseline
▲ 0.50% · 4.625%
HK$51,309
+HK$2,943/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,732/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,631
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,989
−HK$1,378/mo
Today · 4.125%
HK$53,367
baseline
▲ 0.50% · 4.625%
HK$56,180
+HK$2,813/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,734/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,814 · Scale 2, in force from 26 Feb 2026)