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$25,235
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,020
−HK$798/mo
Today · 4.125%
HK$26,818
baseline
▲ 0.50% · 4.625%
HK$28,450
+HK$1,632/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,636/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,074
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,827
−HK$764/mo
Today · 4.125%
HK$29,591
baseline
▲ 0.50% · 4.625%
HK$31,151
+HK$1,560/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,182/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,282
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,224
−HK$957/mo
Today · 4.125%
HK$32,181
baseline
▲ 0.50% · 4.625%
HK$34,139
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,362/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,689
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,592
−HK$917/mo
Today · 4.125%
HK$35,509
baseline
▲ 0.50% · 4.625%
HK$37,381
+HK$1,872/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,018/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,329
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,428
−HK$1,117/mo
Today · 4.125%
HK$37,545
baseline
▲ 0.50% · 4.625%
HK$39,829
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,090/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,304
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,358
−HK$1,069/mo
Today · 4.125%
HK$41,427
baseline
▲ 0.50% · 4.625%
HK$43,611
+HK$2,184/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,854/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,423
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,836
−HK$1,436/mo
Today · 4.125%
HK$48,272
baseline
▲ 0.50% · 4.625%
HK$51,209
+HK$2,937/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,544/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,533
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,888
−HK$1,375/mo
Today · 4.125%
HK$53,263
baseline
▲ 0.50% · 4.625%
HK$56,071
+HK$2,808/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,526/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,008 · Scale 2, in force from 26 Feb 2026)