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$1,581/mo
▼ 0.25% · 3.875%
HK$25,990
−HK$797/mo
Today · 4.125%
HK$26,787
baseline
▲ 0.50% · 4.625%
HK$28,417
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,574/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,042
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,794
−HK$763/mo
Today · 4.125%
HK$29,557
baseline
▲ 0.50% · 4.625%
HK$31,115
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,114/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,248
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,189
−HK$956/mo
Today · 4.125%
HK$32,145
baseline
▲ 0.50% · 4.625%
HK$34,100
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,290/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,650
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,553
−HK$915/mo
Today · 4.125%
HK$35,468
baseline
▲ 0.50% · 4.625%
HK$37,338
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,936/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,289
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,387
−HK$1,115/mo
Today · 4.125%
HK$37,502
baseline
▲ 0.50% · 4.625%
HK$39,784
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,004/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,259
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,312
−HK$1,068/mo
Today · 4.125%
HK$41,380
baseline
▲ 0.50% · 4.625%
HK$43,561
+HK$2,181/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,760/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,372
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,783
−HK$1,434/mo
Today · 4.125%
HK$48,217
baseline
▲ 0.50% · 4.625%
HK$51,151
+HK$2,934/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,434/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,475
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,829
−HK$1,373/mo
Today · 4.125%
HK$53,202
baseline
▲ 0.50% · 4.625%
HK$56,007
+HK$2,805/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,404/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,533 · Scale 2, in force from 26 Feb 2026)