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$25,186
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,969
−HK$796/mo
Today · 4.125%
HK$26,765
baseline
▲ 0.50% · 4.625%
HK$28,394
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,530/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,019
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,770
−HK$763/mo
Today · 4.125%
HK$29,533
baseline
▲ 0.50% · 4.625%
HK$31,089
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,066/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,223
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,163
−HK$955/mo
Today · 4.125%
HK$32,118
baseline
▲ 0.50% · 4.625%
HK$34,072
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,236/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,623
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,524
−HK$915/mo
Today · 4.125%
HK$35,439
baseline
▲ 0.50% · 4.625%
HK$37,307
+HK$1,868/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,878/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,260
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,357
−HK$1,114/mo
Today · 4.125%
HK$37,471
baseline
▲ 0.50% · 4.625%
HK$39,751
+HK$2,280/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,942/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,226
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,278
−HK$1,068/mo
Today · 4.125%
HK$41,346
baseline
▲ 0.50% · 4.625%
HK$43,525
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,692/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,334
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,744
−HK$1,433/mo
Today · 4.125%
HK$48,177
baseline
▲ 0.50% · 4.625%
HK$51,109
+HK$2,932/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,354/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,434
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,787
−HK$1,372/mo
Today · 4.125%
HK$53,159
baseline
▲ 0.50% · 4.625%
HK$55,961
+HK$2,802/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,318/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,193 · Scale 2, in force from 26 Feb 2026)