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$25,178
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,961
−HK$796/mo
Today · 4.125%
HK$26,757
baseline
▲ 0.50% · 4.625%
HK$28,385
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,514/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,010
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,761
−HK$763/mo
Today · 4.125%
HK$29,524
baseline
▲ 0.50% · 4.625%
HK$31,080
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,048/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,214
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,153
−HK$955/mo
Today · 4.125%
HK$32,108
baseline
▲ 0.50% · 4.625%
HK$34,062
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,216/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,612
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,514
−HK$914/mo
Today · 4.125%
HK$35,428
baseline
▲ 0.50% · 4.625%
HK$37,296
+HK$1,868/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,856/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,249
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,346
−HK$1,114/mo
Today · 4.125%
HK$37,460
baseline
▲ 0.50% · 4.625%
HK$39,739
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,920/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,214
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,266
−HK$1,067/mo
Today · 4.125%
HK$41,333
baseline
▲ 0.50% · 4.625%
HK$43,512
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,666/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,320
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,730
−HK$1,432/mo
Today · 4.125%
HK$48,162
baseline
▲ 0.50% · 4.625%
HK$51,093
+HK$2,931/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,324/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,418
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,771
−HK$1,371/mo
Today · 4.125%
HK$53,142
baseline
▲ 0.50% · 4.625%
HK$55,944
+HK$2,802/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,284/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,065 · Scale 2, in force from 26 Feb 2026)