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$1,581/mo
▼ 0.25% · 3.875%
HK$25,986
−HK$797/mo
Today · 4.125%
HK$26,783
baseline
▲ 0.50% · 4.625%
HK$28,412
+HK$1,629/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,566/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,465 · 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$31,110
+HK$1,558/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$414,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,243
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,183
−HK$956/mo
Today · 4.125%
HK$32,139
baseline
▲ 0.50% · 4.625%
HK$34,095
+HK$1,956/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$414,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,645
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,547
−HK$915/mo
Today · 4.125%
HK$35,462
baseline
▲ 0.50% · 4.625%
HK$37,332
+HK$1,870/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$414,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,283
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,381
−HK$1,115/mo
Today · 4.125%
HK$37,496
baseline
▲ 0.50% · 4.625%
HK$39,777
+HK$2,281/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$74,992/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,252
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,305
−HK$1,068/mo
Today · 4.125%
HK$41,373
baseline
▲ 0.50% · 4.625%
HK$43,554
+HK$2,181/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,746/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,364
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,775
−HK$1,434/mo
Today · 4.125%
HK$48,209
baseline
▲ 0.50% · 4.625%
HK$51,142
+HK$2,933/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,418/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,467
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,821
−HK$1,373/mo
Today · 4.125%
HK$53,194
baseline
▲ 0.50% · 4.625%
HK$55,998
+HK$2,804/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,388/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,465 · Scale 2, in force from 26 Feb 2026)