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$25,156
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,938
−HK$795/mo
Today · 4.125%
HK$26,733
baseline
▲ 0.50% · 4.625%
HK$28,360
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,466/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,985
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,736
−HK$761/mo
Today · 4.125%
HK$29,497
baseline
▲ 0.50% · 4.625%
HK$31,052
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$58,994/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,187
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,126
−HK$954/mo
Today · 4.125%
HK$32,080
baseline
▲ 0.50% · 4.625%
HK$34,032
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,160/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,582
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,483
−HK$914/mo
Today · 4.125%
HK$35,397
baseline
▲ 0.50% · 4.625%
HK$37,263
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,794/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,218
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,313
−HK$1,113/mo
Today · 4.125%
HK$37,426
baseline
▲ 0.50% · 4.625%
HK$39,704
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,852/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,180
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,230
−HK$1,066/mo
Today · 4.125%
HK$41,296
baseline
▲ 0.50% · 4.625%
HK$43,473
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,592/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,280
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,689
−HK$1,431/mo
Today · 4.125%
HK$48,120
baseline
▲ 0.50% · 4.625%
HK$51,048
+HK$2,928/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,240/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,374
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,725
−HK$1,370/mo
Today · 4.125%
HK$53,095
baseline
▲ 0.50% · 4.625%
HK$55,894
+HK$2,799/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,190/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,698 · Scale 2, in force from 26 Feb 2026)