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$25,144
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,926
−HK$794/mo
Today · 4.125%
HK$26,720
baseline
▲ 0.50% · 4.625%
HK$28,346
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,440/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,972
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,722
−HK$761/mo
Today · 4.125%
HK$29,483
baseline
▲ 0.50% · 4.625%
HK$31,037
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,966/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,172
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,111
−HK$953/mo
Today · 4.125%
HK$32,064
baseline
▲ 0.50% · 4.625%
HK$34,015
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,128/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,566
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,467
−HK$913/mo
Today · 4.125%
HK$35,380
baseline
▲ 0.50% · 4.625%
HK$37,245
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,760/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,201
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,296
−HK$1,112/mo
Today · 4.125%
HK$37,408
baseline
▲ 0.50% · 4.625%
HK$39,685
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,816/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,161
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,211
−HK$1,066/mo
Today · 4.125%
HK$41,277
baseline
▲ 0.50% · 4.625%
HK$43,452
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,554/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,258
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,666
−HK$1,431/mo
Today · 4.125%
HK$48,097
baseline
▲ 0.50% · 4.625%
HK$51,023
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,194/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,350
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,700
−HK$1,370/mo
Today · 4.125%
HK$53,070
baseline
▲ 0.50% · 4.625%
HK$55,867
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,140/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,500 · Scale 2, in force from 26 Feb 2026)