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$25,148
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,931
−HK$794/mo
Today · 4.125%
HK$26,725
baseline
▲ 0.50% · 4.625%
HK$28,351
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,450/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,977
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,728
−HK$761/mo
Today · 4.125%
HK$29,489
baseline
▲ 0.50% · 4.625%
HK$31,043
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,978/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,178
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,117
−HK$953/mo
Today · 4.125%
HK$32,070
baseline
▲ 0.50% · 4.625%
HK$34,022
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,140/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,573
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,473
−HK$913/mo
Today · 4.125%
HK$35,386
baseline
▲ 0.50% · 4.625%
HK$37,252
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,772/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,208
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,303
−HK$1,112/mo
Today · 4.125%
HK$37,415
baseline
▲ 0.50% · 4.625%
HK$39,692
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,830/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,168
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,219
−HK$1,065/mo
Today · 4.125%
HK$41,284
baseline
▲ 0.50% · 4.625%
HK$43,460
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,568/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,267
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,675
−HK$1,431/mo
Today · 4.125%
HK$48,106
baseline
▲ 0.50% · 4.625%
HK$51,033
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,212/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,359
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,710
−HK$1,370/mo
Today · 4.125%
HK$53,080
baseline
▲ 0.50% · 4.625%
HK$55,878
+HK$2,798/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,160/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,577 · Scale 2, in force from 26 Feb 2026)