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$25,152
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,935
−HK$794/mo
Today · 4.125%
HK$26,729
baseline
▲ 0.50% · 4.625%
HK$28,356
+HK$1,627/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$413,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,982
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,732
−HK$761/mo
Today · 4.125%
HK$29,493
baseline
▲ 0.50% · 4.625%
HK$31,048
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$58,986/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,183
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,121
−HK$954/mo
Today · 4.125%
HK$32,075
baseline
▲ 0.50% · 4.625%
HK$34,027
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,150/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,578
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,478
−HK$914/mo
Today · 4.125%
HK$35,392
baseline
▲ 0.50% · 4.625%
HK$37,258
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,784/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,213
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,308
−HK$1,113/mo
Today · 4.125%
HK$37,421
baseline
▲ 0.50% · 4.625%
HK$39,698
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,842/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,174
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,225
−HK$1,066/mo
Today · 4.125%
HK$41,291
baseline
▲ 0.50% · 4.625%
HK$43,467
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,582/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,274
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,682
−HK$1,431/mo
Today · 4.125%
HK$48,113
baseline
▲ 0.50% · 4.625%
HK$51,041
+HK$2,928/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,226/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,367
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,718
−HK$1,370/mo
Today · 4.125%
HK$53,088
baseline
▲ 0.50% · 4.625%
HK$55,886
+HK$2,798/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,176/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,641 · Scale 2, in force from 26 Feb 2026)