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$25,997
−HK$796/mo
Today · 4.125%
HK$26,793
baseline
▲ 0.50% · 4.625%
HK$28,424
+HK$1,631/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$414,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,048
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,801
−HK$763/mo
Today · 4.125%
HK$29,564
baseline
▲ 0.50% · 4.625%
HK$31,122
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,128/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,255
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,196
−HK$956/mo
Today · 4.125%
HK$32,152
baseline
▲ 0.50% · 4.625%
HK$34,108
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,304/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,658
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,561
−HK$916/mo
Today · 4.125%
HK$35,477
baseline
▲ 0.50% · 4.625%
HK$37,347
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,954/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,297
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,395
−HK$1,116/mo
Today · 4.125%
HK$37,511
baseline
▲ 0.50% · 4.625%
HK$39,793
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,022/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,268
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,321
−HK$1,068/mo
Today · 4.125%
HK$41,389
baseline
▲ 0.50% · 4.625%
HK$43,571
+HK$2,182/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$414,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,382
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,794
−HK$1,434/mo
Today · 4.125%
HK$48,228
baseline
▲ 0.50% · 4.625%
HK$51,163
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,456/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,487
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,841
−HK$1,374/mo
Today · 4.125%
HK$53,215
baseline
▲ 0.50% · 4.625%
HK$56,020
+HK$2,805/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,430/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,630 · Scale 2, in force from 26 Feb 2026)