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$25,213
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,997
−HK$797/mo
Today · 4.125%
HK$26,794
baseline
▲ 0.50% · 4.625%
HK$28,424
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,588/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,049
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,801
−HK$764/mo
Today · 4.125%
HK$29,565
baseline
▲ 0.50% · 4.625%
HK$31,123
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,130/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,256
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,197
−HK$956/mo
Today · 4.125%
HK$32,153
baseline
▲ 0.50% · 4.625%
HK$34,109
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,306/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,659
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,562
−HK$916/mo
Today · 4.125%
HK$35,478
baseline
▲ 0.50% · 4.625%
HK$37,348
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,956/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,298
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,396
−HK$1,116/mo
Today · 4.125%
HK$37,512
baseline
▲ 0.50% · 4.625%
HK$39,794
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,024/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,269
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,322
−HK$1,068/mo
Today · 4.125%
HK$41,390
baseline
▲ 0.50% · 4.625%
HK$43,572
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,780/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,383
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,795
−HK$1,434/mo
Today · 4.125%
HK$48,229
baseline
▲ 0.50% · 4.625%
HK$51,164
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,458/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,489
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,843
−HK$1,373/mo
Today · 4.125%
HK$53,216
baseline
▲ 0.50% · 4.625%
HK$56,021
+HK$2,805/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,432/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,642 · Scale 2, in force from 26 Feb 2026)