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$25,153
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,936
−HK$795/mo
Today · 4.125%
HK$26,731
baseline
▲ 0.50% · 4.625%
HK$28,357
+HK$1,626/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,462/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,983
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,733
−HK$762/mo
Today · 4.125%
HK$29,495
baseline
▲ 0.50% · 4.625%
HK$31,049
+HK$1,554/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$58,990/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,184
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,123
−HK$954/mo
Today · 4.125%
HK$32,077
baseline
▲ 0.50% · 4.625%
HK$34,029
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,154/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,579
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,480
−HK$913/mo
Today · 4.125%
HK$35,393
baseline
▲ 0.50% · 4.625%
HK$37,259
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,786/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,215
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,310
−HK$1,113/mo
Today · 4.125%
HK$37,423
baseline
▲ 0.50% · 4.625%
HK$39,700
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,846/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,176
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,227
−HK$1,065/mo
Today · 4.125%
HK$41,292
baseline
▲ 0.50% · 4.625%
HK$43,469
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,584/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,276
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,684
−HK$1,431/mo
Today · 4.125%
HK$48,115
baseline
▲ 0.50% · 4.625%
HK$51,043
+HK$2,928/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,230/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,369
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,720
−HK$1,370/mo
Today · 4.125%
HK$53,090
baseline
▲ 0.50% · 4.625%
HK$55,889
+HK$2,799/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,180/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,659 · Scale 2, in force from 26 Feb 2026)