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$25,201
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,985
−HK$797/mo
Today · 4.125%
HK$26,782
baseline
▲ 0.50% · 4.625%
HK$28,411
+HK$1,629/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$414,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,036
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,788
−HK$763/mo
Today · 4.125%
HK$29,551
baseline
▲ 0.50% · 4.625%
HK$31,108
+HK$1,557/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,102/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,241
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,182
−HK$956/mo
Today · 4.125%
HK$32,138
baseline
▲ 0.50% · 4.625%
HK$34,093
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,276/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,643
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,546
−HK$915/mo
Today · 4.125%
HK$35,461
baseline
▲ 0.50% · 4.625%
HK$37,330
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,922/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,282
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,379
−HK$1,115/mo
Today · 4.125%
HK$37,494
baseline
▲ 0.50% · 4.625%
HK$39,776
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$74,988/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,251
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,303
−HK$1,068/mo
Today · 4.125%
HK$41,371
baseline
▲ 0.50% · 4.625%
HK$43,552
+HK$2,181/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,742/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,362
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,773
−HK$1,434/mo
Today · 4.125%
HK$48,207
baseline
▲ 0.50% · 4.625%
HK$51,140
+HK$2,933/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,414/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,465
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,818
−HK$1,374/mo
Today · 4.125%
HK$53,192
baseline
▲ 0.50% · 4.625%
HK$55,995
+HK$2,803/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,384/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,448 · Scale 2, in force from 26 Feb 2026)