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$25,259
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,045
−HK$798/mo
Today · 4.125%
HK$26,843
baseline
▲ 0.50% · 4.625%
HK$28,476
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,686/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,100
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,854
−HK$764/mo
Today · 4.125%
HK$29,618
baseline
▲ 0.50% · 4.625%
HK$31,180
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,236/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,311
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,253
−HK$958/mo
Today · 4.125%
HK$32,211
baseline
▲ 0.50% · 4.625%
HK$34,171
+HK$1,960/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,422/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,720
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,625
−HK$917/mo
Today · 4.125%
HK$35,542
baseline
▲ 0.50% · 4.625%
HK$37,416
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,084/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,362
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,462
−HK$1,118/mo
Today · 4.125%
HK$37,580
baseline
▲ 0.50% · 4.625%
HK$39,867
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,160/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,340
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,395
−HK$1,071/mo
Today · 4.125%
HK$41,466
baseline
▲ 0.50% · 4.625%
HK$43,651
+HK$2,185/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,932/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,466
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,880
−HK$1,437/mo
Today · 4.125%
HK$48,317
baseline
▲ 0.50% · 4.625%
HK$51,257
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,634/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,580
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,937
−HK$1,376/mo
Today · 4.125%
HK$53,313
baseline
▲ 0.50% · 4.625%
HK$56,123
+HK$2,810/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,626/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,395 · Scale 2, in force from 26 Feb 2026)