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$25,231
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,016
−HK$798/mo
Today · 4.125%
HK$26,814
baseline
▲ 0.50% · 4.625%
HK$28,445
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,628/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,070
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,822
−HK$764/mo
Today · 4.125%
HK$29,586
baseline
▲ 0.50% · 4.625%
HK$31,146
+HK$1,560/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,172/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,278
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,219
−HK$957/mo
Today · 4.125%
HK$32,176
baseline
▲ 0.50% · 4.625%
HK$34,134
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,352/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,684
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,587
−HK$916/mo
Today · 4.125%
HK$35,503
baseline
▲ 0.50% · 4.625%
HK$37,375
+HK$1,872/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,006/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,324
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,423
−HK$1,116/mo
Today · 4.125%
HK$37,539
baseline
▲ 0.50% · 4.625%
HK$39,823
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,078/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,297
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,351
−HK$1,070/mo
Today · 4.125%
HK$41,421
baseline
▲ 0.50% · 4.625%
HK$43,604
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,842/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,416
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,829
−HK$1,435/mo
Today · 4.125%
HK$48,264
baseline
▲ 0.50% · 4.625%
HK$51,201
+HK$2,937/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,528/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,525
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,880
−HK$1,375/mo
Today · 4.125%
HK$53,255
baseline
▲ 0.50% · 4.625%
HK$56,062
+HK$2,807/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,510/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,943 · Scale 2, in force from 26 Feb 2026)