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$25,199
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,982
−HK$797/mo
Today · 4.125%
HK$26,779
baseline
▲ 0.50% · 4.625%
HK$28,408
+HK$1,629/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,558/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,033
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,785
−HK$763/mo
Today · 4.125%
HK$29,548
baseline
▲ 0.50% · 4.625%
HK$31,105
+HK$1,557/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,096/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,238
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,179
−HK$955/mo
Today · 4.125%
HK$32,134
baseline
▲ 0.50% · 4.625%
HK$34,090
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,268/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,640
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,542
−HK$915/mo
Today · 4.125%
HK$35,457
baseline
▲ 0.50% · 4.625%
HK$37,326
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,914/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,278
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,375
−HK$1,115/mo
Today · 4.125%
HK$37,490
baseline
▲ 0.50% · 4.625%
HK$39,771
+HK$2,281/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$74,980/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,246
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,299
−HK$1,068/mo
Today · 4.125%
HK$41,367
baseline
▲ 0.50% · 4.625%
HK$43,547
+HK$2,180/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,734/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,357
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,768
−HK$1,434/mo
Today · 4.125%
HK$48,202
baseline
▲ 0.50% · 4.625%
HK$51,135
+HK$2,933/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,404/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,460
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,813
−HK$1,373/mo
Today · 4.125%
HK$53,186
baseline
▲ 0.50% · 4.625%
HK$55,989
+HK$2,803/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,372/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,403 · Scale 2, in force from 26 Feb 2026)