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$25,225
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,009
−HK$797/mo
Today · 4.125%
HK$26,806
baseline
▲ 0.50% · 4.625%
HK$28,438
+HK$1,632/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,612/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,062
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,815
−HK$763/mo
Today · 4.125%
HK$29,578
baseline
▲ 0.50% · 4.625%
HK$31,137
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,156/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,270
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,211
−HK$957/mo
Today · 4.125%
HK$32,168
baseline
▲ 0.50% · 4.625%
HK$34,125
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$64,336/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,675
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,578
−HK$916/mo
Today · 4.125%
HK$35,494
baseline
▲ 0.50% · 4.625%
HK$37,365
+HK$1,871/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$70,988/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,314
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,413
−HK$1,116/mo
Today · 4.125%
HK$37,529
baseline
▲ 0.50% · 4.625%
HK$39,813
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,058/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,287
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,341
−HK$1,069/mo
Today · 4.125%
HK$41,410
baseline
▲ 0.50% · 4.625%
HK$43,592
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,820/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,404
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,817
−HK$1,435/mo
Today · 4.125%
HK$48,252
baseline
▲ 0.50% · 4.625%
HK$51,188
+HK$2,936/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,504/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,512
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,867
−HK$1,374/mo
Today · 4.125%
HK$53,241
baseline
▲ 0.50% · 4.625%
HK$56,047
+HK$2,806/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,482/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,832 · Scale 2, in force from 26 Feb 2026)