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$25,288
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,074
−HK$799/mo
Today · 4.125%
HK$26,873
baseline
▲ 0.50% · 4.625%
HK$28,509
+HK$1,636/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,746/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,132
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,887
−HK$765/mo
Today · 4.125%
HK$29,652
baseline
▲ 0.50% · 4.625%
HK$31,215
+HK$1,563/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,304/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,345
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,289
−HK$959/mo
Today · 4.125%
HK$32,248
baseline
▲ 0.50% · 4.625%
HK$34,210
+HK$1,962/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$64,496/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,759
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,664
−HK$919/mo
Today · 4.125%
HK$35,583
baseline
▲ 0.50% · 4.625%
HK$37,458
+HK$1,875/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$71,166/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,403
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,504
−HK$1,119/mo
Today · 4.125%
HK$37,623
baseline
▲ 0.50% · 4.625%
HK$39,912
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,246/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,385
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,442
−HK$1,071/mo
Today · 4.125%
HK$41,513
baseline
▲ 0.50% · 4.625%
HK$43,701
+HK$2,188/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,026/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,518
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,934
−HK$1,438/mo
Today · 4.125%
HK$48,372
baseline
▲ 0.50% · 4.625%
HK$51,316
+HK$2,944/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,744/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,638
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,996
−HK$1,378/mo
Today · 4.125%
HK$53,374
baseline
▲ 0.50% · 4.625%
HK$56,187
+HK$2,813/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,748/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,870 · Scale 2, in force from 26 Feb 2026)