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$25,216
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,000
−HK$797/mo
Today · 4.125%
HK$26,797
baseline
▲ 0.50% · 4.625%
HK$28,427
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,594/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,052
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,805
−HK$763/mo
Today · 4.125%
HK$29,568
baseline
▲ 0.50% · 4.625%
HK$31,126
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,136/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,259
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,200
−HK$956/mo
Today · 4.125%
HK$32,156
baseline
▲ 0.50% · 4.625%
HK$34,113
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,312/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,663
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,565
−HK$916/mo
Today · 4.125%
HK$35,481
baseline
▲ 0.50% · 4.625%
HK$37,352
+HK$1,871/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,962/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,302
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,400
−HK$1,116/mo
Today · 4.125%
HK$37,516
baseline
▲ 0.50% · 4.625%
HK$39,798
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,032/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,273
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,326
−HK$1,069/mo
Today · 4.125%
HK$41,395
baseline
▲ 0.50% · 4.625%
HK$43,577
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,790/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,388
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,800
−HK$1,434/mo
Today · 4.125%
HK$48,234
baseline
▲ 0.50% · 4.625%
HK$51,169
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,468/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,494
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,848
−HK$1,374/mo
Today · 4.125%
HK$53,222
baseline
▲ 0.50% · 4.625%
HK$56,027
+HK$2,805/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,444/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,685 · Scale 2, in force from 26 Feb 2026)