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$25,260
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,046
−HK$798/mo
Today · 4.125%
HK$26,844
baseline
▲ 0.50% · 4.625%
HK$28,478
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,688/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,102
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,856
−HK$764/mo
Today · 4.125%
HK$29,620
baseline
▲ 0.50% · 4.625%
HK$31,182
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,240/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,312
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,255
−HK$958/mo
Today · 4.125%
HK$32,213
baseline
▲ 0.50% · 4.625%
HK$34,173
+HK$1,960/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,426/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,722
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,627
−HK$917/mo
Today · 4.125%
HK$35,544
baseline
▲ 0.50% · 4.625%
HK$37,418
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,088/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,365
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,465
−HK$1,117/mo
Today · 4.125%
HK$37,582
baseline
▲ 0.50% · 4.625%
HK$39,869
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,164/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,343
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,398
−HK$1,070/mo
Today · 4.125%
HK$41,468
baseline
▲ 0.50% · 4.625%
HK$43,654
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,936/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,469
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,883
−HK$1,437/mo
Today · 4.125%
HK$48,320
baseline
▲ 0.50% · 4.625%
HK$51,260
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,640/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,584
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,940
−HK$1,376/mo
Today · 4.125%
HK$53,316
baseline
▲ 0.50% · 4.625%
HK$56,127
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,632/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,421 · Scale 2, in force from 26 Feb 2026)