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$25,175
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,958
−HK$796/mo
Today · 4.125%
HK$26,754
baseline
▲ 0.50% · 4.625%
HK$28,382
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,508/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,007
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,758
−HK$762/mo
Today · 4.125%
HK$29,520
baseline
▲ 0.50% · 4.625%
HK$31,076
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,040/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,210
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,150
−HK$954/mo
Today · 4.125%
HK$32,104
baseline
▲ 0.50% · 4.625%
HK$34,058
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$64,208/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,608
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,510
−HK$914/mo
Today · 4.125%
HK$35,424
baseline
▲ 0.50% · 4.625%
HK$37,291
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$70,848/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,245
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,341
−HK$1,114/mo
Today · 4.125%
HK$37,455
baseline
▲ 0.50% · 4.625%
HK$39,734
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,910/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,210
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,261
−HK$1,067/mo
Today · 4.125%
HK$41,328
baseline
▲ 0.50% · 4.625%
HK$43,507
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,656/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,315
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,725
−HK$1,432/mo
Today · 4.125%
HK$48,157
baseline
▲ 0.50% · 4.625%
HK$51,087
+HK$2,930/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,314/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,413
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,765
−HK$1,371/mo
Today · 4.125%
HK$53,136
baseline
▲ 0.50% · 4.625%
HK$55,937
+HK$2,801/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,272/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,017 · Scale 2, in force from 26 Feb 2026)