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$25,151
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,934
−HK$795/mo
Today · 4.125%
HK$26,729
baseline
▲ 0.50% · 4.625%
HK$28,355
+HK$1,626/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,458/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,981
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,731
−HK$761/mo
Today · 4.125%
HK$29,492
baseline
▲ 0.50% · 4.625%
HK$31,047
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$58,984/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,182
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,121
−HK$953/mo
Today · 4.125%
HK$32,074
baseline
▲ 0.50% · 4.625%
HK$34,026
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,148/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,577
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,477
−HK$914/mo
Today · 4.125%
HK$35,391
baseline
▲ 0.50% · 4.625%
HK$37,256
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,782/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,212
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,307
−HK$1,113/mo
Today · 4.125%
HK$37,420
baseline
▲ 0.50% · 4.625%
HK$39,697
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,840/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,173
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,224
−HK$1,065/mo
Today · 4.125%
HK$41,289
baseline
▲ 0.50% · 4.625%
HK$43,466
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,578/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,273
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,681
−HK$1,431/mo
Today · 4.125%
HK$48,112
baseline
▲ 0.50% · 4.625%
HK$51,039
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,224/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,365
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,716
−HK$1,370/mo
Today · 4.125%
HK$53,086
baseline
▲ 0.50% · 4.625%
HK$55,885
+HK$2,799/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,172/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,629 · Scale 2, in force from 26 Feb 2026)