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$25,234
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,019
−HK$798/mo
Today · 4.125%
HK$26,817
baseline
▲ 0.50% · 4.625%
HK$28,449
+HK$1,632/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,634/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,073
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,826
−HK$764/mo
Today · 4.125%
HK$29,590
baseline
▲ 0.50% · 4.625%
HK$31,149
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,180/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,281
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,223
−HK$957/mo
Today · 4.125%
HK$32,180
baseline
▲ 0.50% · 4.625%
HK$34,138
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,360/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,688
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,591
−HK$917/mo
Today · 4.125%
HK$35,508
baseline
▲ 0.50% · 4.625%
HK$37,379
+HK$1,871/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,016/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,328
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,427
−HK$1,117/mo
Today · 4.125%
HK$37,544
baseline
▲ 0.50% · 4.625%
HK$39,828
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,088/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,302
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,356
−HK$1,070/mo
Today · 4.125%
HK$41,426
baseline
▲ 0.50% · 4.625%
HK$43,609
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,852/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,422
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,835
−HK$1,435/mo
Today · 4.125%
HK$48,270
baseline
▲ 0.50% · 4.625%
HK$51,207
+HK$2,937/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,540/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,531
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,887
−HK$1,374/mo
Today · 4.125%
HK$53,261
baseline
▲ 0.50% · 4.625%
HK$56,069
+HK$2,808/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,522/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,993 · Scale 2, in force from 26 Feb 2026)