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$25,139
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,921
−HK$794/mo
Today · 4.125%
HK$26,715
baseline
▲ 0.50% · 4.625%
HK$28,341
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,430/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,967
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,717
−HK$761/mo
Today · 4.125%
HK$29,478
baseline
▲ 0.50% · 4.625%
HK$31,031
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,956/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,167
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,105
−HK$953/mo
Today · 4.125%
HK$32,058
baseline
▲ 0.50% · 4.625%
HK$34,009
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,116/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,560
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,460
−HK$913/mo
Today · 4.125%
HK$35,373
baseline
▲ 0.50% · 4.625%
HK$37,238
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,746/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,194
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,289
−HK$1,112/mo
Today · 4.125%
HK$37,401
baseline
▲ 0.50% · 4.625%
HK$39,677
+HK$2,276/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,802/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,153
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,204
−HK$1,065/mo
Today · 4.125%
HK$41,269
baseline
▲ 0.50% · 4.625%
HK$43,444
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,538/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,250
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,657
−HK$1,431/mo
Today · 4.125%
HK$48,088
baseline
▲ 0.50% · 4.625%
HK$51,014
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,176/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,340
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,690
−HK$1,370/mo
Today · 4.125%
HK$53,060
baseline
▲ 0.50% · 4.625%
HK$55,857
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,120/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,422 · Scale 2, in force from 26 Feb 2026)