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$25,209
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,994
−HK$796/mo
Today · 4.125%
HK$26,790
baseline
▲ 0.50% · 4.625%
HK$28,420
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,580/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,045
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,797
−HK$763/mo
Today · 4.125%
HK$29,560
baseline
▲ 0.50% · 4.625%
HK$31,119
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,120/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,251
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,192
−HK$956/mo
Today · 4.125%
HK$32,148
baseline
▲ 0.50% · 4.625%
HK$34,104
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,296/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,654
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,557
−HK$916/mo
Today · 4.125%
HK$35,473
baseline
▲ 0.50% · 4.625%
HK$37,342
+HK$1,869/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$414,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,293
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,391
−HK$1,115/mo
Today · 4.125%
HK$37,506
baseline
▲ 0.50% · 4.625%
HK$39,789
+HK$2,283/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,012/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,263
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,316
−HK$1,069/mo
Today · 4.125%
HK$41,385
baseline
▲ 0.50% · 4.625%
HK$43,566
+HK$2,181/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$414,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,377
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,788
−HK$1,435/mo
Today · 4.125%
HK$48,223
baseline
▲ 0.50% · 4.625%
HK$51,157
+HK$2,934/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$414,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,481
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,835
−HK$1,374/mo
Today · 4.125%
HK$53,209
baseline
▲ 0.50% · 4.625%
HK$56,013
+HK$2,804/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,418/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,583 · Scale 2, in force from 26 Feb 2026)