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$25,272
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,058
−HK$799/mo
Today · 4.125%
HK$26,857
baseline
▲ 0.50% · 4.625%
HK$28,491
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,714/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,115
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,869
−HK$765/mo
Today · 4.125%
HK$29,634
baseline
▲ 0.50% · 4.625%
HK$31,196
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,268/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,326
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,270
−HK$958/mo
Today · 4.125%
HK$32,228
baseline
▲ 0.50% · 4.625%
HK$34,189
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,456/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,738
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,643
−HK$918/mo
Today · 4.125%
HK$35,561
baseline
▲ 0.50% · 4.625%
HK$37,435
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,122/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,381
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,481
−HK$1,119/mo
Today · 4.125%
HK$37,600
baseline
▲ 0.50% · 4.625%
HK$39,887
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$75,200/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,361
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,416
−HK$1,071/mo
Today · 4.125%
HK$41,487
baseline
▲ 0.50% · 4.625%
HK$43,674
+HK$2,187/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$82,974/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,490
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,905
−HK$1,437/mo
Today · 4.125%
HK$48,342
baseline
▲ 0.50% · 4.625%
HK$51,284
+HK$2,942/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,684/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,607
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,964
−HK$1,377/mo
Today · 4.125%
HK$53,341
baseline
▲ 0.50% · 4.625%
HK$56,153
+HK$2,812/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,682/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,612 · Scale 2, in force from 26 Feb 2026)