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$25,216
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,001
−HK$797/mo
Today · 4.125%
HK$26,798
baseline
▲ 0.50% · 4.625%
HK$28,428
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,596/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,053
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,805
−HK$763/mo
Today · 4.125%
HK$29,568
baseline
▲ 0.50% · 4.625%
HK$31,127
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,136/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,260
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,201
−HK$956/mo
Today · 4.125%
HK$32,157
baseline
▲ 0.50% · 4.625%
HK$34,114
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$64,314/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,663
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,566
−HK$916/mo
Today · 4.125%
HK$35,482
baseline
▲ 0.50% · 4.625%
HK$37,352
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$70,964/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,303
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,401
−HK$1,116/mo
Today · 4.125%
HK$37,517
baseline
▲ 0.50% · 4.625%
HK$39,799
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,034/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,274
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,327
−HK$1,069/mo
Today · 4.125%
HK$41,396
baseline
▲ 0.50% · 4.625%
HK$43,578
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,792/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,389
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,801
−HK$1,435/mo
Today · 4.125%
HK$48,236
baseline
▲ 0.50% · 4.625%
HK$51,171
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,472/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,495
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,849
−HK$1,374/mo
Today · 4.125%
HK$53,223
baseline
▲ 0.50% · 4.625%
HK$56,029
+HK$2,806/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,446/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,695 · Scale 2, in force from 26 Feb 2026)