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$25,219
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,004
−HK$797/mo
Today · 4.125%
HK$26,801
baseline
▲ 0.50% · 4.625%
HK$28,431
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,602/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,056
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,809
−HK$763/mo
Today · 4.125%
HK$29,572
baseline
▲ 0.50% · 4.625%
HK$31,131
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,144/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,263
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,204
−HK$957/mo
Today · 4.125%
HK$32,161
baseline
▲ 0.50% · 4.625%
HK$34,118
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$64,322/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,667
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,570
−HK$916/mo
Today · 4.125%
HK$35,486
baseline
▲ 0.50% · 4.625%
HK$37,357
+HK$1,871/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$70,972/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,307
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,405
−HK$1,116/mo
Today · 4.125%
HK$37,521
baseline
▲ 0.50% · 4.625%
HK$39,804
+HK$2,283/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,042/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,279
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,332
−HK$1,069/mo
Today · 4.125%
HK$41,401
baseline
▲ 0.50% · 4.625%
HK$43,583
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,802/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,395
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,807
−HK$1,434/mo
Today · 4.125%
HK$48,241
baseline
▲ 0.50% · 4.625%
HK$51,177
+HK$2,936/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,482/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,501
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,855
−HK$1,374/mo
Today · 4.125%
HK$53,229
baseline
▲ 0.50% · 4.625%
HK$56,035
+HK$2,806/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,458/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,743 · Scale 2, in force from 26 Feb 2026)