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$25,223
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,007
−HK$797/mo
Today · 4.125%
HK$26,804
baseline
▲ 0.50% · 4.625%
HK$28,435
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,608/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,060
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,812
−HK$764/mo
Today · 4.125%
HK$29,576
baseline
▲ 0.50% · 4.625%
HK$31,135
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,152/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,267
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,209
−HK$956/mo
Today · 4.125%
HK$32,165
baseline
▲ 0.50% · 4.625%
HK$34,122
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$64,330/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,672
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,575
−HK$916/mo
Today · 4.125%
HK$35,491
baseline
▲ 0.50% · 4.625%
HK$37,362
+HK$1,871/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$70,982/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,312
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,410
−HK$1,116/mo
Today · 4.125%
HK$37,526
baseline
▲ 0.50% · 4.625%
HK$39,809
+HK$2,283/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,052/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,284
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,337
−HK$1,069/mo
Today · 4.125%
HK$41,406
baseline
▲ 0.50% · 4.625%
HK$43,589
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,812/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,401
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,813
−HK$1,435/mo
Today · 4.125%
HK$48,248
baseline
▲ 0.50% · 4.625%
HK$51,183
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,496/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,508
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,862
−HK$1,374/mo
Today · 4.125%
HK$53,236
baseline
▲ 0.50% · 4.625%
HK$56,043
+HK$2,807/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,472/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,798 · Scale 2, in force from 26 Feb 2026)