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$25,154
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,937
−HK$795/mo
Today · 4.125%
HK$26,732
baseline
▲ 0.50% · 4.625%
HK$28,358
+HK$1,626/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,464/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,984
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,735
−HK$761/mo
Today · 4.125%
HK$29,496
baseline
▲ 0.50% · 4.625%
HK$31,051
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$58,992/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,185
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,124
−HK$954/mo
Today · 4.125%
HK$32,078
baseline
▲ 0.50% · 4.625%
HK$34,030
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,156/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,581
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,481
−HK$914/mo
Today · 4.125%
HK$35,395
baseline
▲ 0.50% · 4.625%
HK$37,261
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,790/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,216
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,312
−HK$1,113/mo
Today · 4.125%
HK$37,425
baseline
▲ 0.50% · 4.625%
HK$39,702
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,850/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,178
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,228
−HK$1,066/mo
Today · 4.125%
HK$41,294
baseline
▲ 0.50% · 4.625%
HK$43,471
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,588/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,278
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,686
−HK$1,431/mo
Today · 4.125%
HK$48,117
baseline
▲ 0.50% · 4.625%
HK$51,045
+HK$2,928/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,234/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,371
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,722
−HK$1,371/mo
Today · 4.125%
HK$53,093
baseline
▲ 0.50% · 4.625%
HK$55,891
+HK$2,798/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,186/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,678 · Scale 2, in force from 26 Feb 2026)