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$25,187
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,971
−HK$796/mo
Today · 4.125%
HK$26,767
baseline
▲ 0.50% · 4.625%
HK$28,396
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,534/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,021
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,772
−HK$763/mo
Today · 4.125%
HK$29,535
baseline
▲ 0.50% · 4.625%
HK$31,091
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,070/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,225
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,165
−HK$955/mo
Today · 4.125%
HK$32,120
baseline
▲ 0.50% · 4.625%
HK$34,075
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,240/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,625
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,527
−HK$915/mo
Today · 4.125%
HK$35,442
baseline
▲ 0.50% · 4.625%
HK$37,310
+HK$1,868/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,884/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,262
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,359
−HK$1,115/mo
Today · 4.125%
HK$37,474
baseline
▲ 0.50% · 4.625%
HK$39,754
+HK$2,280/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,948/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,229
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,281
−HK$1,068/mo
Today · 4.125%
HK$41,349
baseline
▲ 0.50% · 4.625%
HK$43,528
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,698/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,337
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,748
−HK$1,432/mo
Today · 4.125%
HK$48,180
baseline
▲ 0.50% · 4.625%
HK$51,112
+HK$2,932/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,360/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,437
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,790
−HK$1,372/mo
Today · 4.125%
HK$53,162
baseline
▲ 0.50% · 4.625%
HK$55,965
+HK$2,803/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,324/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,221 · Scale 2, in force from 26 Feb 2026)