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$25,204
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,988
−HK$796/mo
Today · 4.125%
HK$26,784
baseline
▲ 0.50% · 4.625%
HK$28,414
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,568/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,039
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,791
−HK$763/mo
Today · 4.125%
HK$29,554
baseline
▲ 0.50% · 4.625%
HK$31,112
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,108/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,245
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,185
−HK$956/mo
Today · 4.125%
HK$32,141
baseline
▲ 0.50% · 4.625%
HK$34,097
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,282/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,647
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,549
−HK$916/mo
Today · 4.125%
HK$35,465
baseline
▲ 0.50% · 4.625%
HK$37,334
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,930/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,285
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,383
−HK$1,115/mo
Today · 4.125%
HK$37,498
baseline
▲ 0.50% · 4.625%
HK$39,780
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$74,996/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,255
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,307
−HK$1,068/mo
Today · 4.125%
HK$41,375
baseline
▲ 0.50% · 4.625%
HK$43,556
+HK$2,181/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,750/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,367
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,778
−HK$1,434/mo
Today · 4.125%
HK$48,212
baseline
▲ 0.50% · 4.625%
HK$51,145
+HK$2,933/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,424/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,470
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,824
−HK$1,373/mo
Today · 4.125%
HK$53,197
baseline
▲ 0.50% · 4.625%
HK$56,001
+HK$2,804/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,394/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,491 · Scale 2, in force from 26 Feb 2026)