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$25,232
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,017
−HK$798/mo
Today · 4.125%
HK$26,815
baseline
▲ 0.50% · 4.625%
HK$28,446
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,630/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,071
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,824
−HK$763/mo
Today · 4.125%
HK$29,587
baseline
▲ 0.50% · 4.625%
HK$31,147
+HK$1,560/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,174/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,279
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,221
−HK$957/mo
Today · 4.125%
HK$32,178
baseline
▲ 0.50% · 4.625%
HK$34,136
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,356/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,685
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,588
−HK$917/mo
Today · 4.125%
HK$35,505
baseline
▲ 0.50% · 4.625%
HK$37,376
+HK$1,871/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,010/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,325
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,424
−HK$1,117/mo
Today · 4.125%
HK$37,541
baseline
▲ 0.50% · 4.625%
HK$39,825
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,082/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,299
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,353
−HK$1,069/mo
Today · 4.125%
HK$41,422
baseline
▲ 0.50% · 4.625%
HK$43,606
+HK$2,184/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,844/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,418
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,831
−HK$1,435/mo
Today · 4.125%
HK$48,266
baseline
▲ 0.50% · 4.625%
HK$51,203
+HK$2,937/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,532/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,527
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,882
−HK$1,375/mo
Today · 4.125%
HK$53,257
baseline
▲ 0.50% · 4.625%
HK$56,064
+HK$2,807/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,514/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,960 · Scale 2, in force from 26 Feb 2026)