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$25,252
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,037
−HK$798/mo
Today · 4.125%
HK$26,835
baseline
▲ 0.50% · 4.625%
HK$28,468
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,670/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,092
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,846
−HK$764/mo
Today · 4.125%
HK$29,610
baseline
▲ 0.50% · 4.625%
HK$31,171
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,220/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,302
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,245
−HK$957/mo
Today · 4.125%
HK$32,202
baseline
▲ 0.50% · 4.625%
HK$34,162
+HK$1,960/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,404/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,711
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,615
−HK$917/mo
Today · 4.125%
HK$35,532
baseline
▲ 0.50% · 4.625%
HK$37,405
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,064/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,352
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,452
−HK$1,117/mo
Today · 4.125%
HK$37,569
baseline
▲ 0.50% · 4.625%
HK$39,855
+HK$2,286/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,138/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,329
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,384
−HK$1,070/mo
Today · 4.125%
HK$41,454
baseline
▲ 0.50% · 4.625%
HK$43,639
+HK$2,185/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,908/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,453
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,867
−HK$1,436/mo
Today · 4.125%
HK$48,303
baseline
▲ 0.50% · 4.625%
HK$51,243
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,606/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,566
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,922
−HK$1,376/mo
Today · 4.125%
HK$53,298
baseline
▲ 0.50% · 4.625%
HK$56,108
+HK$2,810/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,596/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,279 · Scale 2, in force from 26 Feb 2026)