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$25,189
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,973
−HK$796/mo
Today · 4.125%
HK$26,769
baseline
▲ 0.50% · 4.625%
HK$28,398
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,538/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,023
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,774
−HK$763/mo
Today · 4.125%
HK$29,537
baseline
▲ 0.50% · 4.625%
HK$31,094
+HK$1,557/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,074/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,227
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,167
−HK$956/mo
Today · 4.125%
HK$32,123
baseline
▲ 0.50% · 4.625%
HK$34,077
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,246/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,627
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,529
−HK$915/mo
Today · 4.125%
HK$35,444
baseline
▲ 0.50% · 4.625%
HK$37,313
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,888/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,265
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,362
−HK$1,114/mo
Today · 4.125%
HK$37,476
baseline
▲ 0.50% · 4.625%
HK$39,757
+HK$2,281/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,952/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,232
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,284
−HK$1,068/mo
Today · 4.125%
HK$41,352
baseline
▲ 0.50% · 4.625%
HK$43,531
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,704/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,341
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,751
−HK$1,433/mo
Today · 4.125%
HK$48,184
baseline
▲ 0.50% · 4.625%
HK$51,116
+HK$2,932/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,368/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,441
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,794
−HK$1,372/mo
Today · 4.125%
HK$53,166
baseline
▲ 0.50% · 4.625%
HK$55,969
+HK$2,803/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,332/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,252 · Scale 2, in force from 26 Feb 2026)