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$25,210
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,994
−HK$797/mo
Today · 4.125%
HK$26,791
baseline
▲ 0.50% · 4.625%
HK$28,421
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,582/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,046
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,798
−HK$763/mo
Today · 4.125%
HK$29,561
baseline
▲ 0.50% · 4.625%
HK$31,119
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,122/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,252
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,193
−HK$956/mo
Today · 4.125%
HK$32,149
baseline
▲ 0.50% · 4.625%
HK$34,105
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,298/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,655
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,558
−HK$915/mo
Today · 4.125%
HK$35,473
baseline
▲ 0.50% · 4.625%
HK$37,343
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,946/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,294
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,392
−HK$1,115/mo
Today · 4.125%
HK$37,507
baseline
▲ 0.50% · 4.625%
HK$39,789
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,014/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,264
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,317
−HK$1,068/mo
Today · 4.125%
HK$41,385
baseline
▲ 0.50% · 4.625%
HK$43,567
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,770/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,378
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,789
−HK$1,434/mo
Today · 4.125%
HK$48,223
baseline
▲ 0.50% · 4.625%
HK$51,158
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,446/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,482
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,836
−HK$1,374/mo
Today · 4.125%
HK$53,210
baseline
▲ 0.50% · 4.625%
HK$56,015
+HK$2,805/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,420/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,590 · Scale 2, in force from 26 Feb 2026)