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$1,583/mo
▼ 0.25% · 3.875%
HK$26,040
−HK$798/mo
Today · 4.125%
HK$26,838
baseline
▲ 0.50% · 4.625%
HK$28,471
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,676/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,095
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,849
−HK$764/mo
Today · 4.125%
HK$29,613
baseline
▲ 0.50% · 4.625%
HK$31,174
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,226/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,306
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,248
−HK$958/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$415,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,715
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,619
−HK$917/mo
Today · 4.125%
HK$35,536
baseline
▲ 0.50% · 4.625%
HK$37,409
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,072/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,356
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,456
−HK$1,118/mo
Today · 4.125%
HK$37,574
baseline
▲ 0.50% · 4.625%
HK$39,860
+HK$2,286/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$415,326 · 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$43,644
+HK$2,185/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$415,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,458
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,872
−HK$1,437/mo
Today · 4.125%
HK$48,309
baseline
▲ 0.50% · 4.625%
HK$51,248
+HK$2,939/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,618/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,572
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,928
−HK$1,376/mo
Today · 4.125%
HK$53,304
baseline
▲ 0.50% · 4.625%
HK$56,114
+HK$2,810/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,608/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,326 · Scale 2, in force from 26 Feb 2026)