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$25,228
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,013
−HK$797/mo
Today · 4.125%
HK$26,810
baseline
▲ 0.50% · 4.625%
HK$28,441
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,620/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,066
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,819
−HK$763/mo
Today · 4.125%
HK$29,582
baseline
▲ 0.50% · 4.625%
HK$31,141
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,164/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,274
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,215
−HK$957/mo
Today · 4.125%
HK$32,172
baseline
▲ 0.50% · 4.625%
HK$34,130
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,344/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,679
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,582
−HK$917/mo
Today · 4.125%
HK$35,499
baseline
▲ 0.50% · 4.625%
HK$37,370
+HK$1,871/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$70,998/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,319
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,418
−HK$1,116/mo
Today · 4.125%
HK$37,534
baseline
▲ 0.50% · 4.625%
HK$39,818
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,068/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,292
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,346
−HK$1,069/mo
Today · 4.125%
HK$41,415
baseline
▲ 0.50% · 4.625%
HK$43,598
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,830/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,410
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,823
−HK$1,435/mo
Today · 4.125%
HK$48,258
baseline
▲ 0.50% · 4.625%
HK$51,194
+HK$2,936/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,516/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,519
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,873
−HK$1,375/mo
Today · 4.125%
HK$53,248
baseline
▲ 0.50% · 4.625%
HK$56,055
+HK$2,807/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,496/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,887 · Scale 2, in force from 26 Feb 2026)