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$25,182
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,965
−HK$796/mo
Today · 4.125%
HK$26,761
baseline
▲ 0.50% · 4.625%
HK$28,389
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,522/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,014
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,766
−HK$762/mo
Today · 4.125%
HK$29,528
baseline
▲ 0.50% · 4.625%
HK$31,084
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,056/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,218
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,158
−HK$955/mo
Today · 4.125%
HK$32,113
baseline
▲ 0.50% · 4.625%
HK$34,067
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,226/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,617
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,519
−HK$915/mo
Today · 4.125%
HK$35,434
baseline
▲ 0.50% · 4.625%
HK$37,301
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,868/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,254
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,351
−HK$1,114/mo
Today · 4.125%
HK$37,465
baseline
▲ 0.50% · 4.625%
HK$39,745
+HK$2,280/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,930/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,220
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,272
−HK$1,067/mo
Today · 4.125%
HK$41,339
baseline
▲ 0.50% · 4.625%
HK$43,518
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,678/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,327
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,737
−HK$1,433/mo
Today · 4.125%
HK$48,170
baseline
▲ 0.50% · 4.625%
HK$51,101
+HK$2,931/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,340/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,426
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,778
−HK$1,372/mo
Today · 4.125%
HK$53,150
baseline
▲ 0.50% · 4.625%
HK$55,952
+HK$2,802/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,300/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,127 · Scale 2, in force from 26 Feb 2026)