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$25,214
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,998
−HK$797/mo
Today · 4.125%
HK$26,795
baseline
▲ 0.50% · 4.625%
HK$28,426
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,590/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,050
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,803
−HK$763/mo
Today · 4.125%
HK$29,566
baseline
▲ 0.50% · 4.625%
HK$31,124
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,132/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,257
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,198
−HK$956/mo
Today · 4.125%
HK$32,154
baseline
▲ 0.50% · 4.625%
HK$34,111
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,308/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,660
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,563
−HK$916/mo
Today · 4.125%
HK$35,479
baseline
▲ 0.50% · 4.625%
HK$37,349
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,958/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,300
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,398
−HK$1,115/mo
Today · 4.125%
HK$37,513
baseline
▲ 0.50% · 4.625%
HK$39,796
+HK$2,283/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,026/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,271
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,324
−HK$1,068/mo
Today · 4.125%
HK$41,392
baseline
▲ 0.50% · 4.625%
HK$43,574
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,784/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,385
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,797
−HK$1,434/mo
Today · 4.125%
HK$48,231
baseline
▲ 0.50% · 4.625%
HK$51,166
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,462/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,491
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,845
−HK$1,374/mo
Today · 4.125%
HK$53,219
baseline
▲ 0.50% · 4.625%
HK$56,024
+HK$2,805/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,438/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,659 · Scale 2, in force from 26 Feb 2026)