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$25,202
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,986
−HK$796/mo
Today · 4.125%
HK$26,782
baseline
▲ 0.50% · 4.625%
HK$28,412
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,564/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,037
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,789
−HK$763/mo
Today · 4.125%
HK$29,552
baseline
▲ 0.50% · 4.625%
HK$31,109
+HK$1,557/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,104/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,242
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,183
−HK$956/mo
Today · 4.125%
HK$32,139
baseline
▲ 0.50% · 4.625%
HK$34,094
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,278/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,644
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,546
−HK$916/mo
Today · 4.125%
HK$35,462
baseline
▲ 0.50% · 4.625%
HK$37,331
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,924/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,283
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,380
−HK$1,115/mo
Today · 4.125%
HK$37,495
baseline
▲ 0.50% · 4.625%
HK$39,777
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$74,990/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,252
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,304
−HK$1,068/mo
Today · 4.125%
HK$41,372
baseline
▲ 0.50% · 4.625%
HK$43,553
+HK$2,181/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,744/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,363
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,774
−HK$1,434/mo
Today · 4.125%
HK$48,208
baseline
▲ 0.50% · 4.625%
HK$51,141
+HK$2,933/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,416/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,466
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,820
−HK$1,373/mo
Today · 4.125%
HK$53,193
baseline
▲ 0.50% · 4.625%
HK$55,997
+HK$2,804/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,386/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,458 · Scale 2, in force from 26 Feb 2026)