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$25,271
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,057
−HK$799/mo
Today · 4.125%
HK$26,856
baseline
▲ 0.50% · 4.625%
HK$28,490
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,712/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,114
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,868
−HK$765/mo
Today · 4.125%
HK$29,633
baseline
▲ 0.50% · 4.625%
HK$31,195
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,266/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,326
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,269
−HK$958/mo
Today · 4.125%
HK$32,227
baseline
▲ 0.50% · 4.625%
HK$34,188
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,454/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,737
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,642
−HK$918/mo
Today · 4.125%
HK$35,560
baseline
▲ 0.50% · 4.625%
HK$37,434
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,120/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,380
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,480
−HK$1,119/mo
Today · 4.125%
HK$37,599
baseline
▲ 0.50% · 4.625%
HK$39,886
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$75,198/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,360
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,415
−HK$1,071/mo
Today · 4.125%
HK$41,486
baseline
▲ 0.50% · 4.625%
HK$43,673
+HK$2,187/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$82,972/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,488
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,903
−HK$1,438/mo
Today · 4.125%
HK$48,341
baseline
▲ 0.50% · 4.625%
HK$51,282
+HK$2,941/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,682/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,605
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,963
−HK$1,377/mo
Today · 4.125%
HK$53,340
baseline
▲ 0.50% · 4.625%
HK$56,151
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,680/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,602 · Scale 2, in force from 26 Feb 2026)