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$25,201
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,985
−HK$796/mo
Today · 4.125%
HK$26,781
baseline
▲ 0.50% · 4.625%
HK$28,411
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,562/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,036
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,788
−HK$762/mo
Today · 4.125%
HK$29,550
baseline
▲ 0.50% · 4.625%
HK$31,108
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,100/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,241
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,182
−HK$955/mo
Today · 4.125%
HK$32,137
baseline
▲ 0.50% · 4.625%
HK$34,093
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,274/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,643
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,545
−HK$915/mo
Today · 4.125%
HK$35,460
baseline
▲ 0.50% · 4.625%
HK$37,330
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,920/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,281
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,379
−HK$1,115/mo
Today · 4.125%
HK$37,494
baseline
▲ 0.50% · 4.625%
HK$39,775
+HK$2,281/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$74,988/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,250
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,303
−HK$1,068/mo
Today · 4.125%
HK$41,371
baseline
▲ 0.50% · 4.625%
HK$43,551
+HK$2,180/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,742/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,362
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,773
−HK$1,433/mo
Today · 4.125%
HK$48,206
baseline
▲ 0.50% · 4.625%
HK$51,139
+HK$2,933/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,412/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,464
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,818
−HK$1,373/mo
Today · 4.125%
HK$53,191
baseline
▲ 0.50% · 4.625%
HK$55,994
+HK$2,803/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,382/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,442 · Scale 2, in force from 26 Feb 2026)