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$25,227
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,012
−HK$797/mo
Today · 4.125%
HK$26,809
baseline
▲ 0.50% · 4.625%
HK$28,440
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,618/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,065
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,818
−HK$763/mo
Today · 4.125%
HK$29,581
baseline
▲ 0.50% · 4.625%
HK$31,140
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,162/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,273
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,214
−HK$957/mo
Today · 4.125%
HK$32,171
baseline
▲ 0.50% · 4.625%
HK$34,128
+HK$1,957/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,342/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,678
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,581
−HK$916/mo
Today · 4.125%
HK$35,497
baseline
▲ 0.50% · 4.625%
HK$37,368
+HK$1,871/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$70,994/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,318
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,417
−HK$1,116/mo
Today · 4.125%
HK$37,533
baseline
▲ 0.50% · 4.625%
HK$39,816
+HK$2,283/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,066/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,291
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,345
−HK$1,069/mo
Today · 4.125%
HK$41,414
baseline
▲ 0.50% · 4.625%
HK$43,597
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,828/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,409
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,821
−HK$1,435/mo
Today · 4.125%
HK$48,256
baseline
▲ 0.50% · 4.625%
HK$51,193
+HK$2,937/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,512/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,517
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,872
−HK$1,374/mo
Today · 4.125%
HK$53,246
baseline
▲ 0.50% · 4.625%
HK$56,053
+HK$2,807/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,492/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,873 · Scale 2, in force from 26 Feb 2026)