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$25,169
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,952
−HK$796/mo
Today · 4.125%
HK$26,748
baseline
▲ 0.50% · 4.625%
HK$28,375
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,496/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,001
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,751
−HK$762/mo
Today · 4.125%
HK$29,513
baseline
▲ 0.50% · 4.625%
HK$31,069
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,026/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,203
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,143
−HK$954/mo
Today · 4.125%
HK$32,097
baseline
▲ 0.50% · 4.625%
HK$34,050
+HK$1,953/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$64,194/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,601
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,502
−HK$914/mo
Today · 4.125%
HK$35,416
baseline
▲ 0.50% · 4.625%
HK$37,283
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$70,832/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,237
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,333
−HK$1,114/mo
Today · 4.125%
HK$37,447
baseline
▲ 0.50% · 4.625%
HK$39,725
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,894/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,201
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,252
−HK$1,067/mo
Today · 4.125%
HK$41,319
baseline
▲ 0.50% · 4.625%
HK$43,497
+HK$2,178/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,638/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,305
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,714
−HK$1,432/mo
Today · 4.125%
HK$48,146
baseline
▲ 0.50% · 4.625%
HK$51,075
+HK$2,929/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,292/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,401
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,753
−HK$1,371/mo
Today · 4.125%
HK$53,124
baseline
▲ 0.50% · 4.625%
HK$55,924
+HK$2,800/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,248/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,922 · Scale 2, in force from 26 Feb 2026)