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$25,214
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,998
−HK$797/mo
Today · 4.125%
HK$26,795
baseline
▲ 0.50% · 4.625%
HK$28,425
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,590/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,050
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,802
−HK$763/mo
Today · 4.125%
HK$29,565
baseline
▲ 0.50% · 4.625%
HK$31,124
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,130/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,256
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,197
−HK$957/mo
Today · 4.125%
HK$32,154
baseline
▲ 0.50% · 4.625%
HK$34,110
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,308/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,660
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,563
−HK$915/mo
Today · 4.125%
HK$35,478
baseline
▲ 0.50% · 4.625%
HK$37,349
+HK$1,871/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,956/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,299
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,397
−HK$1,116/mo
Today · 4.125%
HK$37,513
baseline
▲ 0.50% · 4.625%
HK$39,795
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,026/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,270
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,323
−HK$1,068/mo
Today · 4.125%
HK$41,391
baseline
▲ 0.50% · 4.625%
HK$43,573
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,782/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,384
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,796
−HK$1,435/mo
Today · 4.125%
HK$48,231
baseline
▲ 0.50% · 4.625%
HK$51,165
+HK$2,934/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,462/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,490
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,844
−HK$1,374/mo
Today · 4.125%
HK$53,218
baseline
▲ 0.50% · 4.625%
HK$56,023
+HK$2,805/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,436/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,651 · Scale 2, in force from 26 Feb 2026)