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$25,153
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,935
−HK$795/mo
Today · 4.125%
HK$26,730
baseline
▲ 0.50% · 4.625%
HK$28,357
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,460/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,982
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,733
−HK$761/mo
Today · 4.125%
HK$29,494
baseline
▲ 0.50% · 4.625%
HK$31,049
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$58,988/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,183
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,122
−HK$954/mo
Today · 4.125%
HK$32,076
baseline
▲ 0.50% · 4.625%
HK$34,028
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,152/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,579
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,479
−HK$914/mo
Today · 4.125%
HK$35,393
baseline
▲ 0.50% · 4.625%
HK$37,258
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,786/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,214
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,309
−HK$1,113/mo
Today · 4.125%
HK$37,422
baseline
▲ 0.50% · 4.625%
HK$39,699
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,844/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,175
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,226
−HK$1,066/mo
Today · 4.125%
HK$41,292
baseline
▲ 0.50% · 4.625%
HK$43,468
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,584/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,275
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,683
−HK$1,431/mo
Today · 4.125%
HK$48,114
baseline
▲ 0.50% · 4.625%
HK$51,042
+HK$2,928/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,228/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,368
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,719
−HK$1,370/mo
Today · 4.125%
HK$53,089
baseline
▲ 0.50% · 4.625%
HK$55,888
+HK$2,799/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,178/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,651 · Scale 2, in force from 26 Feb 2026)