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$25,212
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,996
−HK$797/mo
Today · 4.125%
HK$26,793
baseline
▲ 0.50% · 4.625%
HK$28,423
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,586/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,048
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,800
−HK$763/mo
Today · 4.125%
HK$29,563
baseline
▲ 0.50% · 4.625%
HK$31,122
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,126/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,254
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,195
−HK$956/mo
Today · 4.125%
HK$32,151
baseline
▲ 0.50% · 4.625%
HK$34,108
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,302/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,658
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,560
−HK$916/mo
Today · 4.125%
HK$35,476
baseline
▲ 0.50% · 4.625%
HK$37,346
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,952/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,297
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,395
−HK$1,115/mo
Today · 4.125%
HK$37,510
baseline
▲ 0.50% · 4.625%
HK$39,792
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,020/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,267
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,320
−HK$1,069/mo
Today · 4.125%
HK$41,389
baseline
▲ 0.50% · 4.625%
HK$43,570
+HK$2,181/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,778/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,381
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,793
−HK$1,434/mo
Today · 4.125%
HK$48,227
baseline
▲ 0.50% · 4.625%
HK$51,162
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,454/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,486
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,840
−HK$1,374/mo
Today · 4.125%
HK$53,214
baseline
▲ 0.50% · 4.625%
HK$56,019
+HK$2,805/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,428/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,623 · Scale 2, in force from 26 Feb 2026)