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$25,165
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,948
−HK$795/mo
Today · 4.125%
HK$26,743
baseline
▲ 0.50% · 4.625%
HK$28,371
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,486/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,996
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,747
−HK$762/mo
Today · 4.125%
HK$29,509
baseline
▲ 0.50% · 4.625%
HK$31,064
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,018/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,198
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,138
−HK$954/mo
Today · 4.125%
HK$32,092
baseline
▲ 0.50% · 4.625%
HK$34,045
+HK$1,953/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,184/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,595
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,497
−HK$914/mo
Today · 4.125%
HK$35,411
baseline
▲ 0.50% · 4.625%
HK$37,277
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,822/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,232
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,327
−HK$1,114/mo
Today · 4.125%
HK$37,441
baseline
▲ 0.50% · 4.625%
HK$39,719
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,882/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,195
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,246
−HK$1,066/mo
Today · 4.125%
HK$41,312
baseline
▲ 0.50% · 4.625%
HK$43,490
+HK$2,178/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,624/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,298
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,707
−HK$1,431/mo
Today · 4.125%
HK$48,138
baseline
▲ 0.50% · 4.625%
HK$51,067
+HK$2,929/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,276/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,393
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,745
−HK$1,371/mo
Today · 4.125%
HK$53,116
baseline
▲ 0.50% · 4.625%
HK$55,916
+HK$2,800/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,232/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,858 · Scale 2, in force from 26 Feb 2026)