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$25,167
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,950
−HK$795/mo
Today · 4.125%
HK$26,745
baseline
▲ 0.50% · 4.625%
HK$28,373
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,490/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,998
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,749
−HK$762/mo
Today · 4.125%
HK$29,511
baseline
▲ 0.50% · 4.625%
HK$31,066
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,022/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,201
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,140
−HK$954/mo
Today · 4.125%
HK$32,094
baseline
▲ 0.50% · 4.625%
HK$34,047
+HK$1,953/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,188/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,598
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,499
−HK$914/mo
Today · 4.125%
HK$35,413
baseline
▲ 0.50% · 4.625%
HK$37,280
+HK$1,867/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,826/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,234
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,330
−HK$1,114/mo
Today · 4.125%
HK$37,444
baseline
▲ 0.50% · 4.625%
HK$39,722
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,888/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,198
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,249
−HK$1,066/mo
Today · 4.125%
HK$41,315
baseline
▲ 0.50% · 4.625%
HK$43,493
+HK$2,178/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,630/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,301
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,710
−HK$1,432/mo
Today · 4.125%
HK$48,142
baseline
▲ 0.50% · 4.625%
HK$51,071
+HK$2,929/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,284/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,397
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,748
−HK$1,372/mo
Today · 4.125%
HK$53,120
baseline
▲ 0.50% · 4.625%
HK$55,920
+HK$2,800/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,240/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,888 · Scale 2, in force from 26 Feb 2026)