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$25,278
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,064
−HK$799/mo
Today · 4.125%
HK$26,863
baseline
▲ 0.50% · 4.625%
HK$28,498
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,726/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,122
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,876
−HK$765/mo
Today · 4.125%
HK$29,641
baseline
▲ 0.50% · 4.625%
HK$31,203
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,282/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,334
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,277
−HK$959/mo
Today · 4.125%
HK$32,236
baseline
▲ 0.50% · 4.625%
HK$34,197
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,472/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,746
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,651
−HK$918/mo
Today · 4.125%
HK$35,569
baseline
▲ 0.50% · 4.625%
HK$37,444
+HK$1,875/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,138/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,389
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,490
−HK$1,119/mo
Today · 4.125%
HK$37,609
baseline
▲ 0.50% · 4.625%
HK$39,897
+HK$2,288/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,218/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,370
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,426
−HK$1,071/mo
Today · 4.125%
HK$41,497
baseline
▲ 0.50% · 4.625%
HK$43,685
+HK$2,188/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$82,994/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,501
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,916
−HK$1,438/mo
Today · 4.125%
HK$48,354
baseline
▲ 0.50% · 4.625%
HK$51,296
+HK$2,942/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,708/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,619
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,976
−HK$1,378/mo
Today · 4.125%
HK$53,354
baseline
▲ 0.50% · 4.625%
HK$56,166
+HK$2,812/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,708/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,712 · Scale 2, in force from 26 Feb 2026)