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$25,156
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,939
−HK$795/mo
Today · 4.125%
HK$26,734
baseline
▲ 0.50% · 4.625%
HK$28,360
+HK$1,626/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,468/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,986
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,736
−HK$762/mo
Today · 4.125%
HK$29,498
baseline
▲ 0.50% · 4.625%
HK$31,053
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$58,996/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,187
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,126
−HK$954/mo
Today · 4.125%
HK$32,080
baseline
▲ 0.50% · 4.625%
HK$34,032
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,160/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,583
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,484
−HK$913/mo
Today · 4.125%
HK$35,397
baseline
▲ 0.50% · 4.625%
HK$37,263
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,794/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,218
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,314
−HK$1,113/mo
Today · 4.125%
HK$37,427
baseline
▲ 0.50% · 4.625%
HK$39,704
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,854/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,180
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,231
−HK$1,066/mo
Today · 4.125%
HK$41,297
baseline
▲ 0.50% · 4.625%
HK$43,474
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,594/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,281
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,689
−HK$1,431/mo
Today · 4.125%
HK$48,120
baseline
▲ 0.50% · 4.625%
HK$51,048
+HK$2,928/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,240/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,375
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,726
−HK$1,370/mo
Today · 4.125%
HK$53,096
baseline
▲ 0.50% · 4.625%
HK$55,895
+HK$2,799/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,192/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,705 · Scale 2, in force from 26 Feb 2026)