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$25,242
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,028
−HK$797/mo
Today · 4.125%
HK$26,825
baseline
▲ 0.50% · 4.625%
HK$28,458
+HK$1,633/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,650/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,082
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,835
−HK$764/mo
Today · 4.125%
HK$29,599
baseline
▲ 0.50% · 4.625%
HK$31,159
+HK$1,560/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,198/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,291
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,233
−HK$957/mo
Today · 4.125%
HK$32,190
baseline
▲ 0.50% · 4.625%
HK$34,149
+HK$1,959/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,380/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,698
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,602
−HK$917/mo
Today · 4.125%
HK$35,519
baseline
▲ 0.50% · 4.625%
HK$37,391
+HK$1,872/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,038/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,339
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,439
−HK$1,116/mo
Today · 4.125%
HK$37,555
baseline
▲ 0.50% · 4.625%
HK$39,841
+HK$2,286/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,110/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,315
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,369
−HK$1,070/mo
Today · 4.125%
HK$41,439
baseline
▲ 0.50% · 4.625%
HK$43,623
+HK$2,184/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,878/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,436
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,850
−HK$1,436/mo
Today · 4.125%
HK$48,286
baseline
▲ 0.50% · 4.625%
HK$51,224
+HK$2,938/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,572/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,547
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,903
−HK$1,375/mo
Today · 4.125%
HK$53,278
baseline
▲ 0.50% · 4.625%
HK$56,087
+HK$2,809/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,556/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,124 · Scale 2, in force from 26 Feb 2026)