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$25,192
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,975
−HK$797/mo
Today · 4.125%
HK$26,772
baseline
▲ 0.50% · 4.625%
HK$28,401
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,544/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,026
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,777
−HK$763/mo
Today · 4.125%
HK$29,540
baseline
▲ 0.50% · 4.625%
HK$31,097
+HK$1,557/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,080/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,230
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,171
−HK$955/mo
Today · 4.125%
HK$32,126
baseline
▲ 0.50% · 4.625%
HK$34,081
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,252/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,631
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,533
−HK$915/mo
Today · 4.125%
HK$35,448
baseline
▲ 0.50% · 4.625%
HK$37,316
+HK$1,868/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,896/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,269
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,366
−HK$1,114/mo
Today · 4.125%
HK$37,480
baseline
▲ 0.50% · 4.625%
HK$39,761
+HK$2,281/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,960/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,236
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,288
−HK$1,068/mo
Today · 4.125%
HK$41,356
baseline
▲ 0.50% · 4.625%
HK$43,536
+HK$2,180/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,712/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,345
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,756
−HK$1,433/mo
Today · 4.125%
HK$48,189
baseline
▲ 0.50% · 4.625%
HK$51,121
+HK$2,932/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,378/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,446
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,799
−HK$1,373/mo
Today · 4.125%
HK$53,172
baseline
▲ 0.50% · 4.625%
HK$55,974
+HK$2,802/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,344/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,293 · Scale 2, in force from 26 Feb 2026)