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$25,220
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,005
−HK$797/mo
Today · 4.125%
HK$26,802
baseline
▲ 0.50% · 4.625%
HK$28,433
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,604/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,057
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,810
−HK$763/mo
Today · 4.125%
HK$29,573
baseline
▲ 0.50% · 4.625%
HK$31,132
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,146/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,265
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,206
−HK$956/mo
Today · 4.125%
HK$32,162
baseline
▲ 0.50% · 4.625%
HK$34,119
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$64,324/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,669
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,572
−HK$916/mo
Today · 4.125%
HK$35,488
baseline
▲ 0.50% · 4.625%
HK$37,359
+HK$1,871/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$70,976/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,309
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,407
−HK$1,116/mo
Today · 4.125%
HK$37,523
baseline
▲ 0.50% · 4.625%
HK$39,806
+HK$2,283/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,046/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,280
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,334
−HK$1,069/mo
Today · 4.125%
HK$41,403
baseline
▲ 0.50% · 4.625%
HK$43,585
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,806/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,397
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,809
−HK$1,435/mo
Today · 4.125%
HK$48,244
baseline
▲ 0.50% · 4.625%
HK$51,179
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,488/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,503
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,858
−HK$1,374/mo
Today · 4.125%
HK$53,232
baseline
▲ 0.50% · 4.625%
HK$56,038
+HK$2,806/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,464/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,764 · Scale 2, in force from 26 Feb 2026)