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$25,187
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,970
−HK$796/mo
Today · 4.125%
HK$26,766
baseline
▲ 0.50% · 4.625%
HK$28,395
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,532/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,020
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,772
−HK$762/mo
Today · 4.125%
HK$29,534
baseline
▲ 0.50% · 4.625%
HK$31,091
+HK$1,557/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,068/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,224
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,165
−HK$955/mo
Today · 4.125%
HK$32,120
baseline
▲ 0.50% · 4.625%
HK$34,074
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,240/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,624
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,526
−HK$915/mo
Today · 4.125%
HK$35,441
baseline
▲ 0.50% · 4.625%
HK$37,309
+HK$1,868/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,882/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,262
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,359
−HK$1,114/mo
Today · 4.125%
HK$37,473
baseline
▲ 0.50% · 4.625%
HK$39,753
+HK$2,280/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,946/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,228
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,281
−HK$1,067/mo
Today · 4.125%
HK$41,348
baseline
▲ 0.50% · 4.625%
HK$43,527
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,696/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,337
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,747
−HK$1,433/mo
Today · 4.125%
HK$48,180
baseline
▲ 0.50% · 4.625%
HK$51,111
+HK$2,931/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,360/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,437
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,789
−HK$1,373/mo
Today · 4.125%
HK$53,162
baseline
▲ 0.50% · 4.625%
HK$55,964
+HK$2,802/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,324/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,214 · Scale 2, in force from 26 Feb 2026)