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$25,157
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,940
−HK$795/mo
Today · 4.125%
HK$26,735
baseline
▲ 0.50% · 4.625%
HK$28,361
+HK$1,626/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,470/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,987
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,738
−HK$761/mo
Today · 4.125%
HK$29,499
baseline
▲ 0.50% · 4.625%
HK$31,054
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$58,998/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,189
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,128
−HK$954/mo
Today · 4.125%
HK$32,082
baseline
▲ 0.50% · 4.625%
HK$34,034
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,164/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,584
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,485
−HK$914/mo
Today · 4.125%
HK$35,399
baseline
▲ 0.50% · 4.625%
HK$37,265
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,798/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,220
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,316
−HK$1,113/mo
Today · 4.125%
HK$37,429
baseline
▲ 0.50% · 4.625%
HK$39,706
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,858/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,182
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,233
−HK$1,066/mo
Today · 4.125%
HK$41,299
baseline
▲ 0.50% · 4.625%
HK$43,476
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,598/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,283
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,691
−HK$1,432/mo
Today · 4.125%
HK$48,123
baseline
▲ 0.50% · 4.625%
HK$51,051
+HK$2,928/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,246/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,377
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,728
−HK$1,370/mo
Today · 4.125%
HK$53,098
baseline
▲ 0.50% · 4.625%
HK$55,897
+HK$2,799/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,196/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,723 · Scale 2, in force from 26 Feb 2026)