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$25,227
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,011
−HK$798/mo
Today · 4.125%
HK$26,809
baseline
▲ 0.50% · 4.625%
HK$28,440
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,618/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,064
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,817
−HK$764/mo
Today · 4.125%
HK$29,581
baseline
▲ 0.50% · 4.625%
HK$31,140
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,162/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,272
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,214
−HK$956/mo
Today · 4.125%
HK$32,170
baseline
▲ 0.50% · 4.625%
HK$34,128
+HK$1,958/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$414,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,677
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,581
−HK$916/mo
Today · 4.125%
HK$35,497
baseline
▲ 0.50% · 4.625%
HK$37,368
+HK$1,871/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$70,994/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,317
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,416
−HK$1,116/mo
Today · 4.125%
HK$37,532
baseline
▲ 0.50% · 4.625%
HK$39,816
+HK$2,284/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$414,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,290
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,344
−HK$1,069/mo
Today · 4.125%
HK$41,413
baseline
▲ 0.50% · 4.625%
HK$43,596
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,826/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,408
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,820
−HK$1,435/mo
Today · 4.125%
HK$48,255
baseline
▲ 0.50% · 4.625%
HK$51,192
+HK$2,937/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$414,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,516
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,871
−HK$1,374/mo
Today · 4.125%
HK$53,245
baseline
▲ 0.50% · 4.625%
HK$56,052
+HK$2,807/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,490/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,866 · Scale 2, in force from 26 Feb 2026)