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$25,234
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,019
−HK$797/mo
Today · 4.125%
HK$26,816
baseline
▲ 0.50% · 4.625%
HK$28,448
+HK$1,632/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,632/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,072
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,825
−HK$764/mo
Today · 4.125%
HK$29,589
baseline
▲ 0.50% · 4.625%
HK$31,149
+HK$1,560/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,178/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,281
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,223
−HK$957/mo
Today · 4.125%
HK$32,180
baseline
▲ 0.50% · 4.625%
HK$34,138
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,360/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,687
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,590
−HK$917/mo
Today · 4.125%
HK$35,507
baseline
▲ 0.50% · 4.625%
HK$37,379
+HK$1,872/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,014/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,327
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,426
−HK$1,117/mo
Today · 4.125%
HK$37,543
baseline
▲ 0.50% · 4.625%
HK$39,827
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,086/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,301
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,355
−HK$1,070/mo
Today · 4.125%
HK$41,425
baseline
▲ 0.50% · 4.625%
HK$43,608
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,850/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,421
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,834
−HK$1,435/mo
Today · 4.125%
HK$48,269
baseline
▲ 0.50% · 4.625%
HK$51,206
+HK$2,937/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,538/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,530
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,886
−HK$1,374/mo
Today · 4.125%
HK$53,260
baseline
▲ 0.50% · 4.625%
HK$56,068
+HK$2,808/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,520/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,985 · Scale 2, in force from 26 Feb 2026)