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$25,200
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,984
−HK$796/mo
Today · 4.125%
HK$26,780
baseline
▲ 0.50% · 4.625%
HK$28,410
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,560/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,035
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,787
−HK$762/mo
Today · 4.125%
HK$29,549
baseline
▲ 0.50% · 4.625%
HK$31,107
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,098/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,240
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,181
−HK$955/mo
Today · 4.125%
HK$32,136
baseline
▲ 0.50% · 4.625%
HK$34,092
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,272/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,642
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,544
−HK$915/mo
Today · 4.125%
HK$35,459
baseline
▲ 0.50% · 4.625%
HK$37,328
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,918/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,280
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,377
−HK$1,115/mo
Today · 4.125%
HK$37,492
baseline
▲ 0.50% · 4.625%
HK$39,774
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$74,984/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,249
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,301
−HK$1,068/mo
Today · 4.125%
HK$41,369
baseline
▲ 0.50% · 4.625%
HK$43,550
+HK$2,181/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,738/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,360
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,771
−HK$1,433/mo
Today · 4.125%
HK$48,204
baseline
▲ 0.50% · 4.625%
HK$51,138
+HK$2,934/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,408/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,462
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,816
−HK$1,373/mo
Today · 4.125%
HK$53,189
baseline
▲ 0.50% · 4.625%
HK$55,992
+HK$2,803/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,378/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,427 · Scale 2, in force from 26 Feb 2026)