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$25,154
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,936
−HK$795/mo
Today · 4.125%
HK$26,731
baseline
▲ 0.50% · 4.625%
HK$28,357
+HK$1,626/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,462/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,983
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,734
−HK$761/mo
Today · 4.125%
HK$29,495
baseline
▲ 0.50% · 4.625%
HK$31,050
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$58,990/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,184
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,123
−HK$954/mo
Today · 4.125%
HK$32,077
baseline
▲ 0.50% · 4.625%
HK$34,029
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,154/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,580
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,480
−HK$914/mo
Today · 4.125%
HK$35,394
baseline
▲ 0.50% · 4.625%
HK$37,260
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,788/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,215
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,310
−HK$1,113/mo
Today · 4.125%
HK$37,423
baseline
▲ 0.50% · 4.625%
HK$39,700
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,846/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,176
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,227
−HK$1,066/mo
Today · 4.125%
HK$41,293
baseline
▲ 0.50% · 4.625%
HK$43,469
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,586/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,276
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,685
−HK$1,431/mo
Today · 4.125%
HK$48,116
baseline
▲ 0.50% · 4.625%
HK$51,043
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,232/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,369
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,720
−HK$1,371/mo
Today · 4.125%
HK$53,091
baseline
▲ 0.50% · 4.625%
HK$55,889
+HK$2,798/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,182/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,663 · Scale 2, in force from 26 Feb 2026)