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$25,190
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,973
−HK$797/mo
Today · 4.125%
HK$26,770
baseline
▲ 0.50% · 4.625%
HK$28,398
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,540/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,024
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,775
−HK$763/mo
Today · 4.125%
HK$29,538
baseline
▲ 0.50% · 4.625%
HK$31,094
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,076/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,228
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,168
−HK$955/mo
Today · 4.125%
HK$32,123
baseline
▲ 0.50% · 4.625%
HK$34,078
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,246/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,628
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,530
−HK$915/mo
Today · 4.125%
HK$35,445
baseline
▲ 0.50% · 4.625%
HK$37,313
+HK$1,868/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,890/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,266
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,363
−HK$1,114/mo
Today · 4.125%
HK$37,477
baseline
▲ 0.50% · 4.625%
HK$39,758
+HK$2,281/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,954/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,233
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,285
−HK$1,068/mo
Today · 4.125%
HK$41,353
baseline
▲ 0.50% · 4.625%
HK$43,532
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,706/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,342
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,752
−HK$1,433/mo
Today · 4.125%
HK$48,185
baseline
▲ 0.50% · 4.625%
HK$51,117
+HK$2,932/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,370/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,442
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,795
−HK$1,373/mo
Today · 4.125%
HK$53,168
baseline
▲ 0.50% · 4.625%
HK$55,970
+HK$2,802/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,336/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,261 · Scale 2, in force from 26 Feb 2026)