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$25,155
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,938
−HK$795/mo
Today · 4.125%
HK$26,733
baseline
▲ 0.50% · 4.625%
HK$28,359
+HK$1,626/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,466/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,985
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,736
−HK$761/mo
Today · 4.125%
HK$29,497
baseline
▲ 0.50% · 4.625%
HK$31,052
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$58,994/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,186
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,125
−HK$954/mo
Today · 4.125%
HK$32,079
baseline
▲ 0.50% · 4.625%
HK$34,031
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,158/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,582
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,483
−HK$913/mo
Today · 4.125%
HK$35,396
baseline
▲ 0.50% · 4.625%
HK$37,262
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,792/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,218
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,313
−HK$1,113/mo
Today · 4.125%
HK$37,426
baseline
▲ 0.50% · 4.625%
HK$39,703
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,852/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,179
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,230
−HK$1,066/mo
Today · 4.125%
HK$41,296
baseline
▲ 0.50% · 4.625%
HK$43,473
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,592/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,280
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,688
−HK$1,431/mo
Today · 4.125%
HK$48,119
baseline
▲ 0.50% · 4.625%
HK$51,047
+HK$2,928/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,238/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,373
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,724
−HK$1,371/mo
Today · 4.125%
HK$53,095
baseline
▲ 0.50% · 4.625%
HK$55,893
+HK$2,798/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,190/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,694 · Scale 2, in force from 26 Feb 2026)