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$25,226
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,011
−HK$797/mo
Today · 4.125%
HK$26,808
baseline
▲ 0.50% · 4.625%
HK$28,439
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,616/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,064
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,817
−HK$763/mo
Today · 4.125%
HK$29,580
baseline
▲ 0.50% · 4.625%
HK$31,139
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,160/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,272
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,213
−HK$957/mo
Today · 4.125%
HK$32,170
baseline
▲ 0.50% · 4.625%
HK$34,127
+HK$1,957/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,340/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,677
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,580
−HK$916/mo
Today · 4.125%
HK$35,496
baseline
▲ 0.50% · 4.625%
HK$37,367
+HK$1,871/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$70,992/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,317
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,415
−HK$1,117/mo
Today · 4.125%
HK$37,532
baseline
▲ 0.50% · 4.625%
HK$39,815
+HK$2,283/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,064/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,290
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,343
−HK$1,069/mo
Today · 4.125%
HK$41,412
baseline
▲ 0.50% · 4.625%
HK$43,595
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,824/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,407
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,820
−HK$1,435/mo
Today · 4.125%
HK$48,255
baseline
▲ 0.50% · 4.625%
HK$51,191
+HK$2,936/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,510/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,515
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,870
−HK$1,374/mo
Today · 4.125%
HK$53,244
baseline
▲ 0.50% · 4.625%
HK$56,051
+HK$2,807/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,488/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,861 · Scale 2, in force from 26 Feb 2026)