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$25,203
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,987
−HK$796/mo
Today · 4.125%
HK$26,783
baseline
▲ 0.50% · 4.625%
HK$28,413
+HK$1,630/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$414,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,038
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,790
−HK$763/mo
Today · 4.125%
HK$29,553
baseline
▲ 0.50% · 4.625%
HK$31,110
+HK$1,557/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,106/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,243
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,184
−HK$956/mo
Today · 4.125%
HK$32,140
baseline
▲ 0.50% · 4.625%
HK$34,095
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,280/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,645
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,548
−HK$915/mo
Today · 4.125%
HK$35,463
baseline
▲ 0.50% · 4.625%
HK$37,332
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,926/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,284
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,381
−HK$1,115/mo
Today · 4.125%
HK$37,496
baseline
▲ 0.50% · 4.625%
HK$39,778
+HK$2,282/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$414,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,253
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,306
−HK$1,068/mo
Today · 4.125%
HK$41,374
baseline
▲ 0.50% · 4.625%
HK$43,554
+HK$2,180/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,748/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,365
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,776
−HK$1,434/mo
Today · 4.125%
HK$48,210
baseline
▲ 0.50% · 4.625%
HK$51,143
+HK$2,933/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,420/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,468
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,821
−HK$1,374/mo
Today · 4.125%
HK$53,195
baseline
▲ 0.50% · 4.625%
HK$55,999
+HK$2,804/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,390/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,472 · Scale 2, in force from 26 Feb 2026)