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$25,285
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,072
−HK$799/mo
Today · 4.125%
HK$26,871
baseline
▲ 0.50% · 4.625%
HK$28,506
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,742/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,130
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,884
−HK$766/mo
Today · 4.125%
HK$29,650
baseline
▲ 0.50% · 4.625%
HK$31,212
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,300/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,342
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,286
−HK$959/mo
Today · 4.125%
HK$32,245
baseline
▲ 0.50% · 4.625%
HK$34,207
+HK$1,962/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$64,490/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,756
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,661
−HK$918/mo
Today · 4.125%
HK$35,579
baseline
▲ 0.50% · 4.625%
HK$37,455
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$71,158/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,400
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,501
−HK$1,118/mo
Today · 4.125%
HK$37,619
baseline
▲ 0.50% · 4.625%
HK$39,908
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,238/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,382
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,438
−HK$1,071/mo
Today · 4.125%
HK$41,509
baseline
▲ 0.50% · 4.625%
HK$43,697
+HK$2,188/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,018/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,514
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,929
−HK$1,439/mo
Today · 4.125%
HK$48,368
baseline
▲ 0.50% · 4.625%
HK$51,311
+HK$2,943/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,736/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,634
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,992
−HK$1,377/mo
Today · 4.125%
HK$53,369
baseline
▲ 0.50% · 4.625%
HK$56,182
+HK$2,813/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,738/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,832 · Scale 2, in force from 26 Feb 2026)