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$25,277
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,063
−HK$799/mo
Today · 4.125%
HK$26,862
baseline
▲ 0.50% · 4.625%
HK$28,497
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,724/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,121
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,875
−HK$765/mo
Today · 4.125%
HK$29,640
baseline
▲ 0.50% · 4.625%
HK$31,202
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,280/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,333
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,276
−HK$959/mo
Today · 4.125%
HK$32,235
baseline
▲ 0.50% · 4.625%
HK$34,196
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,470/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,745
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,650
−HK$918/mo
Today · 4.125%
HK$35,568
baseline
▲ 0.50% · 4.625%
HK$37,443
+HK$1,875/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,136/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,388
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,489
−HK$1,118/mo
Today · 4.125%
HK$37,607
baseline
▲ 0.50% · 4.625%
HK$39,896
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,214/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,369
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,425
−HK$1,071/mo
Today · 4.125%
HK$41,496
baseline
▲ 0.50% · 4.625%
HK$43,683
+HK$2,187/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$82,992/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,499
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,914
−HK$1,438/mo
Today · 4.125%
HK$48,352
baseline
▲ 0.50% · 4.625%
HK$51,294
+HK$2,942/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,704/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,617
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,975
−HK$1,377/mo
Today · 4.125%
HK$53,352
baseline
▲ 0.50% · 4.625%
HK$56,164
+HK$2,812/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,704/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,697 · Scale 2, in force from 26 Feb 2026)