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$25,236
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,021
−HK$797/mo
Today · 4.125%
HK$26,818
baseline
▲ 0.50% · 4.625%
HK$28,450
+HK$1,632/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,636/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,074
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,827
−HK$764/mo
Today · 4.125%
HK$29,591
baseline
▲ 0.50% · 4.625%
HK$31,151
+HK$1,560/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,182/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$415,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,283
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,225
−HK$957/mo
Today · 4.125%
HK$32,182
baseline
▲ 0.50% · 4.625%
HK$34,140
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,364/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,689
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,593
−HK$917/mo
Today · 4.125%
HK$35,510
baseline
▲ 0.50% · 4.625%
HK$37,381
+HK$1,871/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,020/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$415,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,330
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,429
−HK$1,117/mo
Today · 4.125%
HK$37,546
baseline
▲ 0.50% · 4.625%
HK$39,830
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,092/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,304
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,358
−HK$1,070/mo
Today · 4.125%
HK$41,428
baseline
▲ 0.50% · 4.625%
HK$43,611
+HK$2,183/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,856/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,424
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,837
−HK$1,436/mo
Today · 4.125%
HK$48,273
baseline
▲ 0.50% · 4.625%
HK$51,210
+HK$2,937/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,546/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,534
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,889
−HK$1,375/mo
Today · 4.125%
HK$53,264
baseline
▲ 0.50% · 4.625%
HK$56,072
+HK$2,808/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,528/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,015 · Scale 2, in force from 26 Feb 2026)