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$25,206
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,990
−HK$796/mo
Today · 4.125%
HK$26,786
baseline
▲ 0.50% · 4.625%
HK$28,416
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,572/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,041
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,793
−HK$763/mo
Today · 4.125%
HK$29,556
baseline
▲ 0.50% · 4.625%
HK$31,114
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,112/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,247
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,188
−HK$955/mo
Today · 4.125%
HK$32,143
baseline
▲ 0.50% · 4.625%
HK$34,099
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,286/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,649
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,552
−HK$915/mo
Today · 4.125%
HK$35,467
baseline
▲ 0.50% · 4.625%
HK$37,337
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,934/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,288
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,385
−HK$1,116/mo
Today · 4.125%
HK$37,501
baseline
▲ 0.50% · 4.625%
HK$39,782
+HK$2,281/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,002/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,257
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,310
−HK$1,068/mo
Today · 4.125%
HK$41,378
baseline
▲ 0.50% · 4.625%
HK$43,559
+HK$2,181/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,756/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,370
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,781
−HK$1,434/mo
Today · 4.125%
HK$48,215
baseline
▲ 0.50% · 4.625%
HK$51,149
+HK$2,934/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,430/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,474
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,827
−HK$1,374/mo
Today · 4.125%
HK$53,201
baseline
▲ 0.50% · 4.625%
HK$56,005
+HK$2,804/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,402/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,519 · Scale 2, in force from 26 Feb 2026)