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$25,168
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,951
−HK$795/mo
Today · 4.125%
HK$26,746
baseline
▲ 0.50% · 4.625%
HK$28,374
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,492/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,999
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,750
−HK$762/mo
Today · 4.125%
HK$29,512
baseline
▲ 0.50% · 4.625%
HK$31,068
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,024/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,202
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,141
−HK$955/mo
Today · 4.125%
HK$32,096
baseline
▲ 0.50% · 4.625%
HK$34,049
+HK$1,953/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,192/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,599
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,500
−HK$914/mo
Today · 4.125%
HK$35,414
baseline
▲ 0.50% · 4.625%
HK$37,281
+HK$1,867/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,828/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,235
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,331
−HK$1,114/mo
Today · 4.125%
HK$37,445
baseline
▲ 0.50% · 4.625%
HK$39,723
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,890/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,199
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,250
−HK$1,067/mo
Today · 4.125%
HK$41,317
baseline
▲ 0.50% · 4.625%
HK$43,495
+HK$2,178/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,634/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,303
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,712
−HK$1,431/mo
Today · 4.125%
HK$48,143
baseline
▲ 0.50% · 4.625%
HK$51,073
+HK$2,930/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,286/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,399
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,750
−HK$1,372/mo
Today · 4.125%
HK$53,122
baseline
▲ 0.50% · 4.625%
HK$55,922
+HK$2,800/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,244/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,903 · Scale 2, in force from 26 Feb 2026)