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$25,183
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,966
−HK$796/mo
Today · 4.125%
HK$26,762
baseline
▲ 0.50% · 4.625%
HK$28,390
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,524/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,016
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,767
−HK$762/mo
Today · 4.125%
HK$29,529
baseline
▲ 0.50% · 4.625%
HK$31,086
+HK$1,557/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,058/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,219
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,159
−HK$955/mo
Today · 4.125%
HK$32,114
baseline
▲ 0.50% · 4.625%
HK$34,069
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,228/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,619
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,520
−HK$915/mo
Today · 4.125%
HK$35,435
baseline
▲ 0.50% · 4.625%
HK$37,303
+HK$1,868/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,870/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,256
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,353
−HK$1,114/mo
Today · 4.125%
HK$37,467
baseline
▲ 0.50% · 4.625%
HK$39,747
+HK$2,280/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,934/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,222
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,274
−HK$1,067/mo
Today · 4.125%
HK$41,341
baseline
▲ 0.50% · 4.625%
HK$43,520
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,682/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,329
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,739
−HK$1,433/mo
Today · 4.125%
HK$48,172
baseline
▲ 0.50% · 4.625%
HK$51,103
+HK$2,931/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,344/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,428
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,781
−HK$1,372/mo
Today · 4.125%
HK$53,153
baseline
▲ 0.50% · 4.625%
HK$55,955
+HK$2,802/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,306/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,146 · Scale 2, in force from 26 Feb 2026)