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$25,184
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,968
−HK$795/mo
Today · 4.125%
HK$26,763
baseline
▲ 0.50% · 4.625%
HK$28,392
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,526/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,017
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,769
−HK$762/mo
Today · 4.125%
HK$29,531
baseline
▲ 0.50% · 4.625%
HK$31,087
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,062/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,221
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,161
−HK$955/mo
Today · 4.125%
HK$32,116
baseline
▲ 0.50% · 4.625%
HK$34,070
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,232/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,621
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,522
−HK$915/mo
Today · 4.125%
HK$35,437
baseline
▲ 0.50% · 4.625%
HK$37,305
+HK$1,868/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,874/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,258
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,355
−HK$1,114/mo
Today · 4.125%
HK$37,469
baseline
▲ 0.50% · 4.625%
HK$39,749
+HK$2,280/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,938/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,224
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,276
−HK$1,067/mo
Today · 4.125%
HK$41,343
baseline
▲ 0.50% · 4.625%
HK$43,522
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,686/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,332
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,742
−HK$1,432/mo
Today · 4.125%
HK$48,174
baseline
▲ 0.50% · 4.625%
HK$51,106
+HK$2,932/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,348/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,431
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,783
−HK$1,373/mo
Today · 4.125%
HK$53,156
baseline
▲ 0.50% · 4.625%
HK$55,957
+HK$2,801/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,312/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,168 · Scale 2, in force from 26 Feb 2026)