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$25,205
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,989
−HK$796/mo
Today · 4.125%
HK$26,785
baseline
▲ 0.50% · 4.625%
HK$28,415
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,570/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,040
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,792
−HK$763/mo
Today · 4.125%
HK$29,555
baseline
▲ 0.50% · 4.625%
HK$31,113
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,110/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,246
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,186
−HK$956/mo
Today · 4.125%
HK$32,142
baseline
▲ 0.50% · 4.625%
HK$34,098
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,284/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,648
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,550
−HK$916/mo
Today · 4.125%
HK$35,466
baseline
▲ 0.50% · 4.625%
HK$37,335
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,932/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,287
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,384
−HK$1,115/mo
Today · 4.125%
HK$37,499
baseline
▲ 0.50% · 4.625%
HK$39,781
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$74,998/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,256
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,309
−HK$1,068/mo
Today · 4.125%
HK$41,377
baseline
▲ 0.50% · 4.625%
HK$43,558
+HK$2,181/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,754/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,368
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,780
−HK$1,433/mo
Today · 4.125%
HK$48,213
baseline
▲ 0.50% · 4.625%
HK$51,147
+HK$2,934/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,426/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,472
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,826
−HK$1,373/mo
Today · 4.125%
HK$53,199
baseline
▲ 0.50% · 4.625%
HK$56,003
+HK$2,804/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,398/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,505 · Scale 2, in force from 26 Feb 2026)