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$25,229
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,014
−HK$797/mo
Today · 4.125%
HK$26,811
baseline
▲ 0.50% · 4.625%
HK$28,442
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,622/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,067
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,820
−HK$763/mo
Today · 4.125%
HK$29,583
baseline
▲ 0.50% · 4.625%
HK$31,143
+HK$1,560/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,166/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,275
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,216
−HK$957/mo
Today · 4.125%
HK$32,173
baseline
▲ 0.50% · 4.625%
HK$34,131
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,346/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,680
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,584
−HK$916/mo
Today · 4.125%
HK$35,500
baseline
▲ 0.50% · 4.625%
HK$37,371
+HK$1,871/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,000/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,320
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,419
−HK$1,116/mo
Today · 4.125%
HK$37,535
baseline
▲ 0.50% · 4.625%
HK$39,819
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,070/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,294
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,347
−HK$1,070/mo
Today · 4.125%
HK$41,417
baseline
▲ 0.50% · 4.625%
HK$43,600
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,834/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,412
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,825
−HK$1,435/mo
Today · 4.125%
HK$48,260
baseline
▲ 0.50% · 4.625%
HK$51,196
+HK$2,936/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,520/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,520
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,875
−HK$1,375/mo
Today · 4.125%
HK$53,250
baseline
▲ 0.50% · 4.625%
HK$56,057
+HK$2,807/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,500/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,903 · Scale 2, in force from 26 Feb 2026)