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$25,222
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,007
−HK$797/mo
Today · 4.125%
HK$26,804
baseline
▲ 0.50% · 4.625%
HK$28,435
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,608/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,059
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,812
−HK$763/mo
Today · 4.125%
HK$29,575
baseline
▲ 0.50% · 4.625%
HK$31,134
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,150/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,267
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,208
−HK$957/mo
Today · 4.125%
HK$32,165
baseline
▲ 0.50% · 4.625%
HK$34,122
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$64,330/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,671
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,574
−HK$916/mo
Today · 4.125%
HK$35,490
baseline
▲ 0.50% · 4.625%
HK$37,361
+HK$1,871/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$70,980/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,311
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,409
−HK$1,116/mo
Today · 4.125%
HK$37,525
baseline
▲ 0.50% · 4.625%
HK$39,809
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,050/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,283
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,337
−HK$1,068/mo
Today · 4.125%
HK$41,405
baseline
▲ 0.50% · 4.625%
HK$43,588
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,810/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,400
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,812
−HK$1,435/mo
Today · 4.125%
HK$48,247
baseline
▲ 0.50% · 4.625%
HK$51,182
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,494/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,507
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,861
−HK$1,375/mo
Today · 4.125%
HK$53,236
baseline
▲ 0.50% · 4.625%
HK$56,042
+HK$2,806/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,472/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,791 · Scale 2, in force from 26 Feb 2026)