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$25,170
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,953
−HK$795/mo
Today · 4.125%
HK$26,748
baseline
▲ 0.50% · 4.625%
HK$28,376
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,496/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,001
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,752
−HK$762/mo
Today · 4.125%
HK$29,514
baseline
▲ 0.50% · 4.625%
HK$31,070
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,028/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,204
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,144
−HK$954/mo
Today · 4.125%
HK$32,098
baseline
▲ 0.50% · 4.625%
HK$34,051
+HK$1,953/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$64,196/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,602
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,503
−HK$914/mo
Today · 4.125%
HK$35,417
baseline
▲ 0.50% · 4.625%
HK$37,284
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$70,834/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,238
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,334
−HK$1,114/mo
Today · 4.125%
HK$37,448
baseline
▲ 0.50% · 4.625%
HK$39,727
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,896/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,202
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,253
−HK$1,067/mo
Today · 4.125%
HK$41,320
baseline
▲ 0.50% · 4.625%
HK$43,498
+HK$2,178/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,640/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,306
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,715
−HK$1,432/mo
Today · 4.125%
HK$48,147
baseline
▲ 0.50% · 4.625%
HK$51,077
+HK$2,930/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,294/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,403
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,754
−HK$1,372/mo
Today · 4.125%
HK$53,126
baseline
▲ 0.50% · 4.625%
HK$55,926
+HK$2,800/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,252/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,936 · Scale 2, in force from 26 Feb 2026)