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$25,197
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,981
−HK$796/mo
Today · 4.125%
HK$26,777
baseline
▲ 0.50% · 4.625%
HK$28,406
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,554/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,031
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,783
−HK$763/mo
Today · 4.125%
HK$29,546
baseline
▲ 0.50% · 4.625%
HK$31,103
+HK$1,557/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,092/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,236
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,177
−HK$955/mo
Today · 4.125%
HK$32,132
baseline
▲ 0.50% · 4.625%
HK$34,087
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,264/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,637
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,540
−HK$915/mo
Today · 4.125%
HK$35,455
baseline
▲ 0.50% · 4.625%
HK$37,324
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,910/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,276
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,373
−HK$1,115/mo
Today · 4.125%
HK$37,488
baseline
▲ 0.50% · 4.625%
HK$39,769
+HK$2,281/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,976/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,244
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,296
−HK$1,068/mo
Today · 4.125%
HK$41,364
baseline
▲ 0.50% · 4.625%
HK$43,544
+HK$2,180/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,728/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,354
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,765
−HK$1,433/mo
Today · 4.125%
HK$48,198
baseline
▲ 0.50% · 4.625%
HK$51,131
+HK$2,933/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,396/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,456
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,809
−HK$1,373/mo
Today · 4.125%
HK$53,182
baseline
▲ 0.50% · 4.625%
HK$55,985
+HK$2,803/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,364/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,375 · Scale 2, in force from 26 Feb 2026)