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$25,229
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,014
−HK$797/mo
Today · 4.125%
HK$26,811
baseline
▲ 0.50% · 4.625%
HK$28,443
+HK$1,632/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,622/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,067
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,820
−HK$764/mo
Today · 4.125%
HK$29,584
baseline
▲ 0.50% · 4.625%
HK$31,143
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,168/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,275
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,217
−HK$957/mo
Today · 4.125%
HK$32,174
baseline
▲ 0.50% · 4.625%
HK$34,131
+HK$1,957/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,348/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,681
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,584
−HK$917/mo
Today · 4.125%
HK$35,501
baseline
▲ 0.50% · 4.625%
HK$37,372
+HK$1,871/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,002/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,321
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,420
−HK$1,116/mo
Today · 4.125%
HK$37,536
baseline
▲ 0.50% · 4.625%
HK$39,820
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,072/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,294
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,348
−HK$1,069/mo
Today · 4.125%
HK$41,417
baseline
▲ 0.50% · 4.625%
HK$43,600
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,834/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,413
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,825
−HK$1,436/mo
Today · 4.125%
HK$48,261
baseline
▲ 0.50% · 4.625%
HK$51,197
+HK$2,936/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,522/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,521
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,876
−HK$1,375/mo
Today · 4.125%
HK$53,251
baseline
▲ 0.50% · 4.625%
HK$56,058
+HK$2,807/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,502/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,910 · Scale 2, in force from 26 Feb 2026)