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$25,224
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,009
−HK$797/mo
Today · 4.125%
HK$26,806
baseline
▲ 0.50% · 4.625%
HK$28,437
+HK$1,631/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$414,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,062
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,814
−HK$764/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$414,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,269
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,210
−HK$957/mo
Today · 4.125%
HK$32,167
baseline
▲ 0.50% · 4.625%
HK$34,124
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$64,334/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,674
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,577
−HK$916/mo
Today · 4.125%
HK$35,493
baseline
▲ 0.50% · 4.625%
HK$37,364
+HK$1,871/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$70,986/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,314
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,412
−HK$1,116/mo
Today · 4.125%
HK$37,528
baseline
▲ 0.50% · 4.625%
HK$39,812
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,056/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,286
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,340
−HK$1,069/mo
Today · 4.125%
HK$41,409
baseline
▲ 0.50% · 4.625%
HK$43,591
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,818/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,403
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,816
−HK$1,435/mo
Today · 4.125%
HK$48,251
baseline
▲ 0.50% · 4.625%
HK$51,187
+HK$2,936/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,502/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,511
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,866
−HK$1,374/mo
Today · 4.125%
HK$53,240
baseline
▲ 0.50% · 4.625%
HK$56,046
+HK$2,806/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,480/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,824 · Scale 2, in force from 26 Feb 2026)