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$25,159
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,942
−HK$795/mo
Today · 4.125%
HK$26,737
baseline
▲ 0.50% · 4.625%
HK$28,364
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,474/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,990
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,740
−HK$762/mo
Today · 4.125%
HK$29,502
baseline
▲ 0.50% · 4.625%
HK$31,057
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,004/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,191
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,130
−HK$955/mo
Today · 4.125%
HK$32,085
baseline
▲ 0.50% · 4.625%
HK$34,037
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,170/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,588
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,488
−HK$914/mo
Today · 4.125%
HK$35,402
baseline
▲ 0.50% · 4.625%
HK$37,268
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,804/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,223
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,319
−HK$1,113/mo
Today · 4.125%
HK$37,432
baseline
▲ 0.50% · 4.625%
HK$39,710
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,864/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,186
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,236
−HK$1,067/mo
Today · 4.125%
HK$41,303
baseline
▲ 0.50% · 4.625%
HK$43,480
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,606/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,287
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,696
−HK$1,431/mo
Today · 4.125%
HK$48,127
baseline
▲ 0.50% · 4.625%
HK$51,055
+HK$2,928/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,254/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,381
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,733
−HK$1,370/mo
Today · 4.125%
HK$53,103
baseline
▲ 0.50% · 4.625%
HK$55,902
+HK$2,799/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,206/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,761 · Scale 2, in force from 26 Feb 2026)