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$25,195
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,978
−HK$797/mo
Today · 4.125%
HK$26,775
baseline
▲ 0.50% · 4.625%
HK$28,404
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,550/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,029
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,780
−HK$763/mo
Today · 4.125%
HK$29,543
baseline
▲ 0.50% · 4.625%
HK$31,100
+HK$1,557/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,086/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,234
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,174
−HK$955/mo
Today · 4.125%
HK$32,129
baseline
▲ 0.50% · 4.625%
HK$34,084
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,258/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,635
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,537
−HK$915/mo
Today · 4.125%
HK$35,452
baseline
▲ 0.50% · 4.625%
HK$37,320
+HK$1,868/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,904/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,272
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,370
−HK$1,114/mo
Today · 4.125%
HK$37,484
baseline
▲ 0.50% · 4.625%
HK$39,765
+HK$2,281/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,968/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,240
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,293
−HK$1,067/mo
Today · 4.125%
HK$41,360
baseline
▲ 0.50% · 4.625%
HK$43,540
+HK$2,180/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,720/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,350
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,761
−HK$1,433/mo
Today · 4.125%
HK$48,194
baseline
▲ 0.50% · 4.625%
HK$51,127
+HK$2,933/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,388/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,452
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,805
−HK$1,373/mo
Today · 4.125%
HK$53,178
baseline
▲ 0.50% · 4.625%
HK$55,981
+HK$2,803/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,356/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,339 · Scale 2, in force from 26 Feb 2026)