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$25,160
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,943
−HK$795/mo
Today · 4.125%
HK$26,738
baseline
▲ 0.50% · 4.625%
HK$28,365
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,476/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,990
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,741
−HK$762/mo
Today · 4.125%
HK$29,503
baseline
▲ 0.50% · 4.625%
HK$31,058
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,006/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,192
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,131
−HK$955/mo
Today · 4.125%
HK$32,086
baseline
▲ 0.50% · 4.625%
HK$34,038
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,172/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,589
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,489
−HK$914/mo
Today · 4.125%
HK$35,403
baseline
▲ 0.50% · 4.625%
HK$37,269
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,806/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,224
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,320
−HK$1,113/mo
Today · 4.125%
HK$37,433
baseline
▲ 0.50% · 4.625%
HK$39,711
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,866/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,187
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,238
−HK$1,066/mo
Today · 4.125%
HK$41,304
baseline
▲ 0.50% · 4.625%
HK$43,481
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,608/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,288
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,697
−HK$1,431/mo
Today · 4.125%
HK$48,128
baseline
▲ 0.50% · 4.625%
HK$51,057
+HK$2,929/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,256/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,383
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,734
−HK$1,371/mo
Today · 4.125%
HK$53,105
baseline
▲ 0.50% · 4.625%
HK$55,904
+HK$2,799/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,210/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,773 · Scale 2, in force from 26 Feb 2026)