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$25,264
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,050
−HK$799/mo
Today · 4.125%
HK$26,849
baseline
▲ 0.50% · 4.625%
HK$28,482
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,698/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,106
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,860
−HK$765/mo
Today · 4.125%
HK$29,625
baseline
▲ 0.50% · 4.625%
HK$31,186
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,250/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,317
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,260
−HK$958/mo
Today · 4.125%
HK$32,218
baseline
▲ 0.50% · 4.625%
HK$34,179
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,436/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,728
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,632
−HK$918/mo
Today · 4.125%
HK$35,550
baseline
▲ 0.50% · 4.625%
HK$37,424
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,100/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,370
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,470
−HK$1,118/mo
Today · 4.125%
HK$37,588
baseline
▲ 0.50% · 4.625%
HK$39,875
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$75,176/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,349
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,404
−HK$1,071/mo
Today · 4.125%
HK$41,475
baseline
▲ 0.50% · 4.625%
HK$43,661
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$82,950/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,476
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,890
−HK$1,438/mo
Today · 4.125%
HK$48,328
baseline
▲ 0.50% · 4.625%
HK$51,268
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,656/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,591
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,948
−HK$1,377/mo
Today · 4.125%
HK$53,325
baseline
▲ 0.50% · 4.625%
HK$56,136
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,650/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,487 · Scale 2, in force from 26 Feb 2026)