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$25,255
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,041
−HK$798/mo
Today · 4.125%
HK$26,839
baseline
▲ 0.50% · 4.625%
HK$28,472
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,678/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,096
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,849
−HK$765/mo
Today · 4.125%
HK$29,614
baseline
▲ 0.50% · 4.625%
HK$31,175
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,228/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,306
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,249
−HK$957/mo
Today · 4.125%
HK$32,206
baseline
▲ 0.50% · 4.625%
HK$34,166
+HK$1,960/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,412/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,715
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,619
−HK$918/mo
Today · 4.125%
HK$35,537
baseline
▲ 0.50% · 4.625%
HK$37,410
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,074/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,357
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,457
−HK$1,117/mo
Today · 4.125%
HK$37,574
baseline
▲ 0.50% · 4.625%
HK$39,861
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,148/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,334
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,389
−HK$1,070/mo
Today · 4.125%
HK$41,459
baseline
▲ 0.50% · 4.625%
HK$43,645
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,918/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,459
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,873
−HK$1,437/mo
Today · 4.125%
HK$48,310
baseline
▲ 0.50% · 4.625%
HK$51,249
+HK$2,939/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,620/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,573
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,929
−HK$1,376/mo
Today · 4.125%
HK$53,305
baseline
▲ 0.50% · 4.625%
HK$56,115
+HK$2,810/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,610/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,332 · Scale 2, in force from 26 Feb 2026)