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$25,248
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,034
−HK$798/mo
Today · 4.125%
HK$26,832
baseline
▲ 0.50% · 4.625%
HK$28,464
+HK$1,632/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,664/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,089
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,842
−HK$764/mo
Today · 4.125%
HK$29,606
baseline
▲ 0.50% · 4.625%
HK$31,167
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,212/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,298
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,240
−HK$958/mo
Today · 4.125%
HK$32,198
baseline
▲ 0.50% · 4.625%
HK$34,157
+HK$1,959/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,396/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,706
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,610
−HK$917/mo
Today · 4.125%
HK$35,527
baseline
▲ 0.50% · 4.625%
HK$37,400
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,054/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,348
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,447
−HK$1,117/mo
Today · 4.125%
HK$37,564
baseline
▲ 0.50% · 4.625%
HK$39,850
+HK$2,286/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,128/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,324
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,379
−HK$1,070/mo
Today · 4.125%
HK$41,449
baseline
▲ 0.50% · 4.625%
HK$43,633
+HK$2,184/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,898/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,447
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,861
−HK$1,436/mo
Today · 4.125%
HK$48,297
baseline
▲ 0.50% · 4.625%
HK$51,236
+HK$2,939/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,594/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,559
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,915
−HK$1,376/mo
Today · 4.125%
HK$53,291
baseline
▲ 0.50% · 4.625%
HK$56,100
+HK$2,809/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,582/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,223 · Scale 2, in force from 26 Feb 2026)