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$25,254
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,039
−HK$798/mo
Today · 4.125%
HK$26,837
baseline
▲ 0.50% · 4.625%
HK$28,470
+HK$1,633/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,674/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,094
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,848
−HK$764/mo
Today · 4.125%
HK$29,612
baseline
▲ 0.50% · 4.625%
HK$31,173
+HK$1,561/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,224/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,304
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,247
−HK$958/mo
Today · 4.125%
HK$32,205
baseline
▲ 0.50% · 4.625%
HK$34,164
+HK$1,959/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,410/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,713
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,618
−HK$917/mo
Today · 4.125%
HK$35,535
baseline
▲ 0.50% · 4.625%
HK$37,408
+HK$1,873/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,070/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,355
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,455
−HK$1,117/mo
Today · 4.125%
HK$37,572
baseline
▲ 0.50% · 4.625%
HK$39,858
+HK$2,286/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,144/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,332
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,387
−HK$1,070/mo
Today · 4.125%
HK$41,457
baseline
▲ 0.50% · 4.625%
HK$43,643
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,914/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,457
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,871
−HK$1,436/mo
Today · 4.125%
HK$48,307
baseline
▲ 0.50% · 4.625%
HK$51,247
+HK$2,940/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,614/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,570
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,926
−HK$1,376/mo
Today · 4.125%
HK$53,302
baseline
▲ 0.50% · 4.625%
HK$56,112
+HK$2,810/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,604/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,310 · Scale 2, in force from 26 Feb 2026)