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$25,146
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,928
−HK$795/mo
Today · 4.125%
HK$26,723
baseline
▲ 0.50% · 4.625%
HK$28,349
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,446/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,975
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,725
−HK$761/mo
Today · 4.125%
HK$29,486
baseline
▲ 0.50% · 4.625%
HK$31,041
+HK$1,555/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,972/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,175
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,114
−HK$954/mo
Today · 4.125%
HK$32,068
baseline
▲ 0.50% · 4.625%
HK$34,019
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,136/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,570
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,470
−HK$913/mo
Today · 4.125%
HK$35,383
baseline
▲ 0.50% · 4.625%
HK$37,249
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,766/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,205
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,300
−HK$1,112/mo
Today · 4.125%
HK$37,412
baseline
▲ 0.50% · 4.625%
HK$39,689
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,824/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,165
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,215
−HK$1,066/mo
Today · 4.125%
HK$41,281
baseline
▲ 0.50% · 4.625%
HK$43,457
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,562/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,263
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,671
−HK$1,430/mo
Today · 4.125%
HK$48,101
baseline
▲ 0.50% · 4.625%
HK$51,028
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,202/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,355
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,705
−HK$1,370/mo
Today · 4.125%
HK$53,075
baseline
▲ 0.50% · 4.625%
HK$55,873
+HK$2,798/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,150/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,542 · Scale 2, in force from 26 Feb 2026)