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$25,179
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,962
−HK$796/mo
Today · 4.125%
HK$26,758
baseline
▲ 0.50% · 4.625%
HK$28,386
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,516/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,011
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,763
−HK$762/mo
Today · 4.125%
HK$29,525
baseline
▲ 0.50% · 4.625%
HK$31,081
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,050/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,215
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,155
−HK$954/mo
Today · 4.125%
HK$32,109
baseline
▲ 0.50% · 4.625%
HK$34,063
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,218/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,614
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,515
−HK$915/mo
Today · 4.125%
HK$35,430
baseline
▲ 0.50% · 4.625%
HK$37,297
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,860/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,251
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,347
−HK$1,114/mo
Today · 4.125%
HK$37,461
baseline
▲ 0.50% · 4.625%
HK$39,740
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,922/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,216
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,268
−HK$1,067/mo
Today · 4.125%
HK$41,335
baseline
▲ 0.50% · 4.625%
HK$43,513
+HK$2,178/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,670/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,322
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,732
−HK$1,432/mo
Today · 4.125%
HK$48,164
baseline
▲ 0.50% · 4.625%
HK$51,095
+HK$2,931/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,328/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,420
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,773
−HK$1,371/mo
Today · 4.125%
HK$53,144
baseline
▲ 0.50% · 4.625%
HK$55,946
+HK$2,802/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,288/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,081 · Scale 2, in force from 26 Feb 2026)