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$25,252
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,038
−HK$798/mo
Today · 4.125%
HK$26,836
baseline
▲ 0.50% · 4.625%
HK$28,468
+HK$1,632/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,672/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,093
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,846
−HK$764/mo
Today · 4.125%
HK$29,610
baseline
▲ 0.50% · 4.625%
HK$31,171
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,220/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,302
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,245
−HK$958/mo
Today · 4.125%
HK$32,203
baseline
▲ 0.50% · 4.625%
HK$34,162
+HK$1,959/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,406/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,711
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,615
−HK$918/mo
Today · 4.125%
HK$35,533
baseline
▲ 0.50% · 4.625%
HK$37,405
+HK$1,872/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,066/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,353
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,453
−HK$1,117/mo
Today · 4.125%
HK$37,570
baseline
▲ 0.50% · 4.625%
HK$39,856
+HK$2,286/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,140/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,330
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,385
−HK$1,070/mo
Today · 4.125%
HK$41,455
baseline
▲ 0.50% · 4.625%
HK$43,640
+HK$2,185/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,910/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,454
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,868
−HK$1,436/mo
Today · 4.125%
HK$48,304
baseline
▲ 0.50% · 4.625%
HK$51,243
+HK$2,939/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,608/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,567
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,923
−HK$1,376/mo
Today · 4.125%
HK$53,299
baseline
▲ 0.50% · 4.625%
HK$56,108
+HK$2,809/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,598/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,284 · Scale 2, in force from 26 Feb 2026)