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$25,166
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,949
−HK$796/mo
Today · 4.125%
HK$26,745
baseline
▲ 0.50% · 4.625%
HK$28,372
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,490/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,997
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,748
−HK$762/mo
Today · 4.125%
HK$29,510
baseline
▲ 0.50% · 4.625%
HK$31,066
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,020/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,200
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,139
−HK$955/mo
Today · 4.125%
HK$32,094
baseline
▲ 0.50% · 4.625%
HK$34,046
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,188/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,597
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,498
−HK$914/mo
Today · 4.125%
HK$35,412
baseline
▲ 0.50% · 4.625%
HK$37,279
+HK$1,867/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,824/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,233
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,329
−HK$1,113/mo
Today · 4.125%
HK$37,442
baseline
▲ 0.50% · 4.625%
HK$39,721
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,884/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,196
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,248
−HK$1,066/mo
Today · 4.125%
HK$41,314
baseline
▲ 0.50% · 4.625%
HK$43,492
+HK$2,178/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,628/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,300
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,709
−HK$1,431/mo
Today · 4.125%
HK$48,140
baseline
▲ 0.50% · 4.625%
HK$51,070
+HK$2,930/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,280/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,395
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,747
−HK$1,371/mo
Today · 4.125%
HK$53,118
baseline
▲ 0.50% · 4.625%
HK$55,918
+HK$2,800/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,236/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,876 · Scale 2, in force from 26 Feb 2026)