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$25,178
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,961
−HK$796/mo
Today · 4.125%
HK$26,757
baseline
▲ 0.50% · 4.625%
HK$28,385
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,514/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,010
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,761
−HK$762/mo
Today · 4.125%
HK$29,523
baseline
▲ 0.50% · 4.625%
HK$31,079
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,046/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,213
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,153
−HK$955/mo
Today · 4.125%
HK$32,108
baseline
▲ 0.50% · 4.625%
HK$34,062
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$64,216/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,612
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,513
−HK$915/mo
Today · 4.125%
HK$35,428
baseline
▲ 0.50% · 4.625%
HK$37,295
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$70,856/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,249
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,345
−HK$1,114/mo
Today · 4.125%
HK$37,459
baseline
▲ 0.50% · 4.625%
HK$39,738
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,918/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,214
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,266
−HK$1,066/mo
Today · 4.125%
HK$41,332
baseline
▲ 0.50% · 4.625%
HK$43,511
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,664/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,320
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,730
−HK$1,432/mo
Today · 4.125%
HK$48,162
baseline
▲ 0.50% · 4.625%
HK$51,092
+HK$2,930/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,324/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,418
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,770
−HK$1,372/mo
Today · 4.125%
HK$53,142
baseline
▲ 0.50% · 4.625%
HK$55,943
+HK$2,801/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,284/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,060 · Scale 2, in force from 26 Feb 2026)