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$25,259
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,045
−HK$798/mo
Today · 4.125%
HK$26,843
baseline
▲ 0.50% · 4.625%
HK$28,477
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,686/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,101
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,855
−HK$764/mo
Today · 4.125%
HK$29,619
baseline
▲ 0.50% · 4.625%
HK$31,180
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,238/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,311
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,254
−HK$958/mo
Today · 4.125%
HK$32,212
baseline
▲ 0.50% · 4.625%
HK$34,172
+HK$1,960/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,424/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,721
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,625
−HK$918/mo
Today · 4.125%
HK$35,543
baseline
▲ 0.50% · 4.625%
HK$37,416
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,086/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,363
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,463
−HK$1,118/mo
Today · 4.125%
HK$37,581
baseline
▲ 0.50% · 4.625%
HK$39,868
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,162/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,341
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,396
−HK$1,071/mo
Today · 4.125%
HK$41,467
baseline
▲ 0.50% · 4.625%
HK$43,653
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,934/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,467
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,881
−HK$1,437/mo
Today · 4.125%
HK$48,318
baseline
▲ 0.50% · 4.625%
HK$51,258
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,636/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,582
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,938
−HK$1,376/mo
Today · 4.125%
HK$53,314
baseline
▲ 0.50% · 4.625%
HK$56,125
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,628/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,405 · Scale 2, in force from 26 Feb 2026)