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$25,197
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,981
−HK$796/mo
Today · 4.125%
HK$26,777
baseline
▲ 0.50% · 4.625%
HK$28,407
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,554/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,032
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,783
−HK$763/mo
Today · 4.125%
HK$29,546
baseline
▲ 0.50% · 4.625%
HK$31,104
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,092/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,237
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,177
−HK$956/mo
Today · 4.125%
HK$32,133
baseline
▲ 0.50% · 4.625%
HK$34,088
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,266/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,638
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,540
−HK$915/mo
Today · 4.125%
HK$35,455
baseline
▲ 0.50% · 4.625%
HK$37,324
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,910/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,276
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,373
−HK$1,115/mo
Today · 4.125%
HK$37,488
baseline
▲ 0.50% · 4.625%
HK$39,769
+HK$2,281/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$74,976/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,244
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,297
−HK$1,068/mo
Today · 4.125%
HK$41,365
baseline
▲ 0.50% · 4.625%
HK$43,545
+HK$2,180/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,730/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,355
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,766
−HK$1,433/mo
Today · 4.125%
HK$48,199
baseline
▲ 0.50% · 4.625%
HK$51,132
+HK$2,933/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,398/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,457
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,810
−HK$1,373/mo
Today · 4.125%
HK$53,183
baseline
▲ 0.50% · 4.625%
HK$55,986
+HK$2,803/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,366/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,382 · Scale 2, in force from 26 Feb 2026)