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$25,180
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,963
−HK$796/mo
Today · 4.125%
HK$26,759
baseline
▲ 0.50% · 4.625%
HK$28,387
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,518/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,012
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,764
−HK$762/mo
Today · 4.125%
HK$29,526
baseline
▲ 0.50% · 4.625%
HK$31,082
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,052/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,216
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,156
−HK$955/mo
Today · 4.125%
HK$32,111
baseline
▲ 0.50% · 4.625%
HK$34,065
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,222/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,615
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,516
−HK$915/mo
Today · 4.125%
HK$35,431
baseline
▲ 0.50% · 4.625%
HK$37,299
+HK$1,868/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,862/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,252
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,348
−HK$1,114/mo
Today · 4.125%
HK$37,462
baseline
▲ 0.50% · 4.625%
HK$39,742
+HK$2,280/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,924/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,217
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,269
−HK$1,067/mo
Today · 4.125%
HK$41,336
baseline
▲ 0.50% · 4.625%
HK$43,515
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,672/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,324
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,734
−HK$1,432/mo
Today · 4.125%
HK$48,166
baseline
▲ 0.50% · 4.625%
HK$51,097
+HK$2,931/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,332/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,422
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,775
−HK$1,371/mo
Today · 4.125%
HK$53,146
baseline
▲ 0.50% · 4.625%
HK$55,948
+HK$2,802/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,292/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,097 · Scale 2, in force from 26 Feb 2026)