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$25,237
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,022
−HK$798/mo
Today · 4.125%
HK$26,820
baseline
▲ 0.50% · 4.625%
HK$28,452
+HK$1,632/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,640/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,076
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,829
−HK$764/mo
Today · 4.125%
HK$29,593
baseline
▲ 0.50% · 4.625%
HK$31,153
+HK$1,560/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,186/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,285
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,227
−HK$957/mo
Today · 4.125%
HK$32,184
baseline
▲ 0.50% · 4.625%
HK$34,142
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,368/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,691
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,595
−HK$916/mo
Today · 4.125%
HK$35,511
baseline
▲ 0.50% · 4.625%
HK$37,383
+HK$1,872/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,022/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,332
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,431
−HK$1,117/mo
Today · 4.125%
HK$37,548
baseline
▲ 0.50% · 4.625%
HK$39,832
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,096/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,306
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,361
−HK$1,069/mo
Today · 4.125%
HK$41,430
baseline
▲ 0.50% · 4.625%
HK$43,614
+HK$2,184/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,860/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,427
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,840
−HK$1,435/mo
Today · 4.125%
HK$48,275
baseline
▲ 0.50% · 4.625%
HK$51,213
+HK$2,938/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,550/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,537
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,892
−HK$1,375/mo
Today · 4.125%
HK$53,267
baseline
▲ 0.50% · 4.625%
HK$56,075
+HK$2,808/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,534/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,038 · Scale 2, in force from 26 Feb 2026)