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$25,176
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,960
−HK$795/mo
Today · 4.125%
HK$26,755
baseline
▲ 0.50% · 4.625%
HK$28,383
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,510/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,008
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,760
−HK$762/mo
Today · 4.125%
HK$29,522
baseline
▲ 0.50% · 4.625%
HK$31,078
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,044/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,212
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,151
−HK$955/mo
Today · 4.125%
HK$32,106
baseline
▲ 0.50% · 4.625%
HK$34,060
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$64,212/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,610
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,512
−HK$914/mo
Today · 4.125%
HK$35,426
baseline
▲ 0.50% · 4.625%
HK$37,293
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$70,852/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,247
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,343
−HK$1,114/mo
Today · 4.125%
HK$37,457
baseline
▲ 0.50% · 4.625%
HK$39,736
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,914/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,212
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,263
−HK$1,067/mo
Today · 4.125%
HK$41,330
baseline
▲ 0.50% · 4.625%
HK$43,509
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,660/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,317
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,727
−HK$1,432/mo
Today · 4.125%
HK$48,159
baseline
▲ 0.50% · 4.625%
HK$51,090
+HK$2,931/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,318/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,415
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,767
−HK$1,372/mo
Today · 4.125%
HK$53,139
baseline
▲ 0.50% · 4.625%
HK$55,940
+HK$2,801/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,278/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,039 · Scale 2, in force from 26 Feb 2026)