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$25,274
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,060
−HK$799/mo
Today · 4.125%
HK$26,859
baseline
▲ 0.50% · 4.625%
HK$28,494
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,718/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,117
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,871
−HK$765/mo
Today · 4.125%
HK$29,636
baseline
▲ 0.50% · 4.625%
HK$31,199
+HK$1,563/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,272/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,329
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,273
−HK$958/mo
Today · 4.125%
HK$32,231
baseline
▲ 0.50% · 4.625%
HK$34,192
+HK$1,961/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,462/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,741
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,646
−HK$918/mo
Today · 4.125%
HK$35,564
baseline
▲ 0.50% · 4.625%
HK$37,438
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,128/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,384
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,485
−HK$1,118/mo
Today · 4.125%
HK$37,603
baseline
▲ 0.50% · 4.625%
HK$39,891
+HK$2,288/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,206/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,364
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,420
−HK$1,071/mo
Today · 4.125%
HK$41,491
baseline
▲ 0.50% · 4.625%
HK$43,678
+HK$2,187/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$82,982/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,494
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,909
−HK$1,438/mo
Today · 4.125%
HK$48,347
baseline
▲ 0.50% · 4.625%
HK$51,288
+HK$2,941/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,694/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,611
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,969
−HK$1,377/mo
Today · 4.125%
HK$53,346
baseline
▲ 0.50% · 4.625%
HK$56,158
+HK$2,812/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,692/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,649 · Scale 2, in force from 26 Feb 2026)