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$25,173
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,956
−HK$796/mo
Today · 4.125%
HK$26,752
baseline
▲ 0.50% · 4.625%
HK$28,380
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,504/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,005
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,756
−HK$762/mo
Today · 4.125%
HK$29,518
baseline
▲ 0.50% · 4.625%
HK$31,074
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,036/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,208
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,148
−HK$954/mo
Today · 4.125%
HK$32,102
baseline
▲ 0.50% · 4.625%
HK$34,056
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$64,204/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,606
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,507
−HK$915/mo
Today · 4.125%
HK$35,422
baseline
▲ 0.50% · 4.625%
HK$37,289
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$70,844/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,243
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,339
−HK$1,114/mo
Today · 4.125%
HK$37,453
baseline
▲ 0.50% · 4.625%
HK$39,731
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,906/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,207
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,258
−HK$1,067/mo
Today · 4.125%
HK$41,325
baseline
▲ 0.50% · 4.625%
HK$43,504
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,650/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,312
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,721
−HK$1,432/mo
Today · 4.125%
HK$48,153
baseline
▲ 0.50% · 4.625%
HK$51,083
+HK$2,930/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,306/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,409
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,761
−HK$1,371/mo
Today · 4.125%
HK$53,132
baseline
▲ 0.50% · 4.625%
HK$55,933
+HK$2,801/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,264/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,987 · Scale 2, in force from 26 Feb 2026)