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$25,232
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,017
−HK$797/mo
Today · 4.125%
HK$26,814
baseline
▲ 0.50% · 4.625%
HK$28,446
+HK$1,632/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,628/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,070
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,823
−HK$764/mo
Today · 4.125%
HK$29,587
baseline
▲ 0.50% · 4.625%
HK$31,146
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,174/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,278
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,220
−HK$957/mo
Today · 4.125%
HK$32,177
baseline
▲ 0.50% · 4.625%
HK$34,135
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,354/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,684
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,588
−HK$916/mo
Today · 4.125%
HK$35,504
baseline
▲ 0.50% · 4.625%
HK$37,376
+HK$1,872/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,008/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,325
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,424
−HK$1,116/mo
Today · 4.125%
HK$37,540
baseline
▲ 0.50% · 4.625%
HK$39,824
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,080/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,298
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,352
−HK$1,070/mo
Today · 4.125%
HK$41,422
baseline
▲ 0.50% · 4.625%
HK$43,605
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,844/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,418
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,830
−HK$1,436/mo
Today · 4.125%
HK$48,266
baseline
▲ 0.50% · 4.625%
HK$51,202
+HK$2,936/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,532/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,527
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,882
−HK$1,374/mo
Today · 4.125%
HK$53,256
baseline
▲ 0.50% · 4.625%
HK$56,064
+HK$2,808/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,512/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,953 · Scale 2, in force from 26 Feb 2026)