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$25,177
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,960
−HK$796/mo
Today · 4.125%
HK$26,756
baseline
▲ 0.50% · 4.625%
HK$28,384
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,512/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,009
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,760
−HK$762/mo
Today · 4.125%
HK$29,522
baseline
▲ 0.50% · 4.625%
HK$31,078
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,044/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,212
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,152
−HK$955/mo
Today · 4.125%
HK$32,107
baseline
▲ 0.50% · 4.625%
HK$34,061
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$64,214/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,611
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,512
−HK$915/mo
Today · 4.125%
HK$35,427
baseline
▲ 0.50% · 4.625%
HK$37,294
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$70,854/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,248
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,344
−HK$1,114/mo
Today · 4.125%
HK$37,458
baseline
▲ 0.50% · 4.625%
HK$39,737
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,916/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,213
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,264
−HK$1,067/mo
Today · 4.125%
HK$41,331
baseline
▲ 0.50% · 4.625%
HK$43,510
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,662/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,318
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,728
−HK$1,432/mo
Today · 4.125%
HK$48,160
baseline
▲ 0.50% · 4.625%
HK$51,091
+HK$2,931/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,320/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,416
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,768
−HK$1,372/mo
Today · 4.125%
HK$53,140
baseline
▲ 0.50% · 4.625%
HK$55,941
+HK$2,801/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,280/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,048 · Scale 2, in force from 26 Feb 2026)