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$25,186
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,969
−HK$796/mo
Today · 4.125%
HK$26,765
baseline
▲ 0.50% · 4.625%
HK$28,394
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,530/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,019
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,771
−HK$762/mo
Today · 4.125%
HK$29,533
baseline
▲ 0.50% · 4.625%
HK$31,090
+HK$1,557/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,066/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,223
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,163
−HK$955/mo
Today · 4.125%
HK$32,118
baseline
▲ 0.50% · 4.625%
HK$34,073
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,236/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,623
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,525
−HK$915/mo
Today · 4.125%
HK$35,440
baseline
▲ 0.50% · 4.625%
HK$37,308
+HK$1,868/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,880/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,260
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,357
−HK$1,115/mo
Today · 4.125%
HK$37,472
baseline
▲ 0.50% · 4.625%
HK$39,752
+HK$2,280/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,944/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,227
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,279
−HK$1,067/mo
Today · 4.125%
HK$41,346
baseline
▲ 0.50% · 4.625%
HK$43,526
+HK$2,180/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,692/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,335
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,745
−HK$1,433/mo
Today · 4.125%
HK$48,178
baseline
▲ 0.50% · 4.625%
HK$51,109
+HK$2,931/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,356/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,435
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,787
−HK$1,372/mo
Today · 4.125%
HK$53,159
baseline
▲ 0.50% · 4.625%
HK$55,961
+HK$2,802/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,318/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,197 · Scale 2, in force from 26 Feb 2026)