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$1,581/mo
▼ 0.25% · 3.875%
HK$25,984
−HK$797/mo
Today · 4.125%
HK$26,781
baseline
▲ 0.50% · 4.625%
HK$28,410
+HK$1,629/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$414,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,035
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,787
−HK$763/mo
Today · 4.125%
HK$29,550
baseline
▲ 0.50% · 4.625%
HK$31,107
+HK$1,557/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$414,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,240
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,181
−HK$956/mo
Today · 4.125%
HK$32,137
baseline
▲ 0.50% · 4.625%
HK$34,092
+HK$1,955/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$414,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,642
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,544
−HK$916/mo
Today · 4.125%
HK$35,460
baseline
▲ 0.50% · 4.625%
HK$37,329
+HK$1,869/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$414,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,281
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,378
−HK$1,115/mo
Today · 4.125%
HK$37,493
baseline
▲ 0.50% · 4.625%
HK$39,774
+HK$2,281/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$74,986/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,249
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,302
−HK$1,068/mo
Today · 4.125%
HK$41,370
baseline
▲ 0.50% · 4.625%
HK$43,550
+HK$2,180/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,740/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,361
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,772
−HK$1,433/mo
Today · 4.125%
HK$48,205
baseline
▲ 0.50% · 4.625%
HK$51,138
+HK$2,933/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,410/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,463
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,817
−HK$1,373/mo
Today · 4.125%
HK$53,190
baseline
▲ 0.50% · 4.625%
HK$55,993
+HK$2,803/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,380/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,434 · Scale 2, in force from 26 Feb 2026)