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$25,250
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,035
−HK$798/mo
Today · 4.125%
HK$26,833
baseline
▲ 0.50% · 4.625%
HK$28,466
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,666/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,090
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,844
−HK$764/mo
Today · 4.125%
HK$29,608
baseline
▲ 0.50% · 4.625%
HK$31,168
+HK$1,560/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,216/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,300
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,242
−HK$958/mo
Today · 4.125%
HK$32,200
baseline
▲ 0.50% · 4.625%
HK$34,159
+HK$1,959/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,400/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,708
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,612
−HK$917/mo
Today · 4.125%
HK$35,529
baseline
▲ 0.50% · 4.625%
HK$37,402
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,058/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,350
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,449
−HK$1,118/mo
Today · 4.125%
HK$37,567
baseline
▲ 0.50% · 4.625%
HK$39,852
+HK$2,285/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,134/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,326
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,381
−HK$1,070/mo
Today · 4.125%
HK$41,451
baseline
▲ 0.50% · 4.625%
HK$43,636
+HK$2,185/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,902/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,450
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,863
−HK$1,437/mo
Today · 4.125%
HK$48,300
baseline
▲ 0.50% · 4.625%
HK$51,239
+HK$2,939/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,600/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,562
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,918
−HK$1,376/mo
Today · 4.125%
HK$53,294
baseline
▲ 0.50% · 4.625%
HK$56,103
+HK$2,809/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,588/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,247 · Scale 2, in force from 26 Feb 2026)