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$25,208
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,992
−HK$797/mo
Today · 4.125%
HK$26,789
baseline
▲ 0.50% · 4.625%
HK$28,419
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,578/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,044
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,796
−HK$763/mo
Today · 4.125%
HK$29,559
baseline
▲ 0.50% · 4.625%
HK$31,117
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,118/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,250
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,190
−HK$956/mo
Today · 4.125%
HK$32,146
baseline
▲ 0.50% · 4.625%
HK$34,102
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,292/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,652
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,555
−HK$915/mo
Today · 4.125%
HK$35,470
baseline
▲ 0.50% · 4.625%
HK$37,340
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,940/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,291
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,389
−HK$1,115/mo
Today · 4.125%
HK$37,504
baseline
▲ 0.50% · 4.625%
HK$39,786
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,008/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,261
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,314
−HK$1,068/mo
Today · 4.125%
HK$41,382
baseline
▲ 0.50% · 4.625%
HK$43,563
+HK$2,181/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,764/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,374
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,786
−HK$1,434/mo
Today · 4.125%
HK$48,220
baseline
▲ 0.50% · 4.625%
HK$51,154
+HK$2,934/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,440/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,478
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,832
−HK$1,374/mo
Today · 4.125%
HK$53,206
baseline
▲ 0.50% · 4.625%
HK$56,010
+HK$2,804/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,412/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,558 · Scale 2, in force from 26 Feb 2026)