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$25,218
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,003
−HK$797/mo
Today · 4.125%
HK$26,800
baseline
▲ 0.50% · 4.625%
HK$28,430
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,600/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,055
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,808
−HK$763/mo
Today · 4.125%
HK$29,571
baseline
▲ 0.50% · 4.625%
HK$31,130
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,142/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,262
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,203
−HK$957/mo
Today · 4.125%
HK$32,160
baseline
▲ 0.50% · 4.625%
HK$34,117
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$64,320/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,666
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,569
−HK$916/mo
Today · 4.125%
HK$35,485
baseline
▲ 0.50% · 4.625%
HK$37,356
+HK$1,871/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$70,970/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,306
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,404
−HK$1,116/mo
Today · 4.125%
HK$37,520
baseline
▲ 0.50% · 4.625%
HK$39,803
+HK$2,283/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,040/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,277
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,331
−HK$1,068/mo
Today · 4.125%
HK$41,399
baseline
▲ 0.50% · 4.625%
HK$43,581
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,798/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,393
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,805
−HK$1,435/mo
Today · 4.125%
HK$48,240
baseline
▲ 0.50% · 4.625%
HK$51,175
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,480/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,499
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,854
−HK$1,374/mo
Today · 4.125%
HK$53,228
baseline
▲ 0.50% · 4.625%
HK$56,033
+HK$2,805/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,456/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,729 · Scale 2, in force from 26 Feb 2026)