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$25,181
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,964
−HK$796/mo
Today · 4.125%
HK$26,760
baseline
▲ 0.50% · 4.625%
HK$28,388
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,520/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,013
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,765
−HK$762/mo
Today · 4.125%
HK$29,527
baseline
▲ 0.50% · 4.625%
HK$31,083
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,054/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,217
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,157
−HK$955/mo
Today · 4.125%
HK$32,112
baseline
▲ 0.50% · 4.625%
HK$34,066
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,224/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,616
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,517
−HK$915/mo
Today · 4.125%
HK$35,432
baseline
▲ 0.50% · 4.625%
HK$37,300
+HK$1,868/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,864/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,253
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,349
−HK$1,115/mo
Today · 4.125%
HK$37,464
baseline
▲ 0.50% · 4.625%
HK$39,743
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,928/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,218
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,270
−HK$1,067/mo
Today · 4.125%
HK$41,337
baseline
▲ 0.50% · 4.625%
HK$43,516
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,674/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,325
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,735
−HK$1,432/mo
Today · 4.125%
HK$48,167
baseline
▲ 0.50% · 4.625%
HK$51,098
+HK$2,931/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,334/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,424
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,776
−HK$1,372/mo
Today · 4.125%
HK$53,148
baseline
▲ 0.50% · 4.625%
HK$55,950
+HK$2,802/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,296/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,109 · Scale 2, in force from 26 Feb 2026)