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$25,230
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,014
−HK$798/mo
Today · 4.125%
HK$26,812
baseline
▲ 0.50% · 4.625%
HK$28,443
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,624/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,068
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,821
−HK$763/mo
Today · 4.125%
HK$29,584
baseline
▲ 0.50% · 4.625%
HK$31,144
+HK$1,560/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,168/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,276
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,217
−HK$957/mo
Today · 4.125%
HK$32,174
baseline
▲ 0.50% · 4.625%
HK$34,132
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,348/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,681
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,585
−HK$916/mo
Today · 4.125%
HK$35,501
baseline
▲ 0.50% · 4.625%
HK$37,372
+HK$1,871/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,002/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,322
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,420
−HK$1,117/mo
Today · 4.125%
HK$37,537
baseline
▲ 0.50% · 4.625%
HK$39,821
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,074/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,295
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,349
−HK$1,069/mo
Today · 4.125%
HK$41,418
baseline
▲ 0.50% · 4.625%
HK$43,601
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,836/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,413
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,826
−HK$1,435/mo
Today · 4.125%
HK$48,261
baseline
▲ 0.50% · 4.625%
HK$51,198
+HK$2,937/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,522/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,522
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,877
−HK$1,375/mo
Today · 4.125%
HK$53,252
baseline
▲ 0.50% · 4.625%
HK$56,058
+HK$2,806/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,504/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,916 · Scale 2, in force from 26 Feb 2026)