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$25,141
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,923
−HK$794/mo
Today · 4.125%
HK$26,717
baseline
▲ 0.50% · 4.625%
HK$28,343
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,434/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,969
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,719
−HK$761/mo
Today · 4.125%
HK$29,480
baseline
▲ 0.50% · 4.625%
HK$31,034
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,960/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,169
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,107
−HK$954/mo
Today · 4.125%
HK$32,061
baseline
▲ 0.50% · 4.625%
HK$34,012
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,122/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,563
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,463
−HK$913/mo
Today · 4.125%
HK$35,376
baseline
▲ 0.50% · 4.625%
HK$37,241
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,752/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,197
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,292
−HK$1,112/mo
Today · 4.125%
HK$37,404
baseline
▲ 0.50% · 4.625%
HK$39,680
+HK$2,276/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,808/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,156
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,207
−HK$1,065/mo
Today · 4.125%
HK$41,272
baseline
▲ 0.50% · 4.625%
HK$43,447
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,544/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,253
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,661
−HK$1,430/mo
Today · 4.125%
HK$48,091
baseline
▲ 0.50% · 4.625%
HK$51,018
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,182/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,344
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,694
−HK$1,370/mo
Today · 4.125%
HK$53,064
baseline
▲ 0.50% · 4.625%
HK$55,861
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,128/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,454 · Scale 2, in force from 26 Feb 2026)