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$1,581/mo
▼ 0.25% · 3.875%
HK$26,004
−HK$797/mo
Today · 4.125%
HK$26,801
baseline
▲ 0.50% · 4.625%
HK$28,432
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,602/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,056
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,809
−HK$763/mo
Today · 4.125%
HK$29,572
baseline
▲ 0.50% · 4.625%
HK$31,131
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,144/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,263
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,205
−HK$956/mo
Today · 4.125%
HK$32,161
baseline
▲ 0.50% · 4.625%
HK$34,118
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$64,322/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,668
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,571
−HK$916/mo
Today · 4.125%
HK$35,487
baseline
▲ 0.50% · 4.625%
HK$37,357
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$70,974/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,307
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,406
−HK$1,115/mo
Today · 4.125%
HK$37,521
baseline
▲ 0.50% · 4.625%
HK$39,804
+HK$2,283/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,042/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,279
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,332
−HK$1,069/mo
Today · 4.125%
HK$41,401
baseline
▲ 0.50% · 4.625%
HK$43,583
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,802/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,395
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,807
−HK$1,435/mo
Today · 4.125%
HK$48,242
baseline
▲ 0.50% · 4.625%
HK$51,177
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,484/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,502
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,856
−HK$1,374/mo
Today · 4.125%
HK$53,230
baseline
▲ 0.50% · 4.625%
HK$56,036
+HK$2,806/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,460/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,748 · Scale 2, in force from 26 Feb 2026)