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$25,159
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,941
−HK$796/mo
Today · 4.125%
HK$26,737
baseline
▲ 0.50% · 4.625%
HK$28,363
+HK$1,626/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,474/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,989
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,740
−HK$761/mo
Today · 4.125%
HK$29,501
baseline
▲ 0.50% · 4.625%
HK$31,056
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,002/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,191
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,130
−HK$954/mo
Today · 4.125%
HK$32,084
baseline
▲ 0.50% · 4.625%
HK$34,036
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,168/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,587
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,488
−HK$913/mo
Today · 4.125%
HK$35,401
baseline
▲ 0.50% · 4.625%
HK$37,267
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,802/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,222
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,318
−HK$1,113/mo
Today · 4.125%
HK$37,431
baseline
▲ 0.50% · 4.625%
HK$39,709
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,862/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,185
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,236
−HK$1,066/mo
Today · 4.125%
HK$41,302
baseline
▲ 0.50% · 4.625%
HK$43,479
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,604/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,286
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,695
−HK$1,431/mo
Today · 4.125%
HK$48,126
baseline
▲ 0.50% · 4.625%
HK$51,054
+HK$2,928/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,252/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,380
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,731
−HK$1,371/mo
Today · 4.125%
HK$53,102
baseline
▲ 0.50% · 4.625%
HK$55,901
+HK$2,799/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,204/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,751 · Scale 2, in force from 26 Feb 2026)