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$25,172
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,955
−HK$795/mo
Today · 4.125%
HK$26,750
baseline
▲ 0.50% · 4.625%
HK$28,378
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,500/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,003
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,754
−HK$762/mo
Today · 4.125%
HK$29,516
baseline
▲ 0.50% · 4.625%
HK$31,072
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,032/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,206
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,146
−HK$954/mo
Today · 4.125%
HK$32,100
baseline
▲ 0.50% · 4.625%
HK$34,054
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$64,200/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,604
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,505
−HK$915/mo
Today · 4.125%
HK$35,420
baseline
▲ 0.50% · 4.625%
HK$37,287
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$70,840/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,241
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,337
−HK$1,113/mo
Today · 4.125%
HK$37,450
baseline
▲ 0.50% · 4.625%
HK$39,729
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,900/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,205
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,256
−HK$1,067/mo
Today · 4.125%
HK$41,323
baseline
▲ 0.50% · 4.625%
HK$43,501
+HK$2,178/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,646/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,309
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,719
−HK$1,432/mo
Today · 4.125%
HK$48,151
baseline
▲ 0.50% · 4.625%
HK$51,080
+HK$2,929/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,302/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,406
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,758
−HK$1,371/mo
Today · 4.125%
HK$53,129
baseline
▲ 0.50% · 4.625%
HK$55,930
+HK$2,801/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,258/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,965 · Scale 2, in force from 26 Feb 2026)