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$25,189
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,972
−HK$796/mo
Today · 4.125%
HK$26,768
baseline
▲ 0.50% · 4.625%
HK$28,397
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,536/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,022
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,774
−HK$762/mo
Today · 4.125%
HK$29,536
baseline
▲ 0.50% · 4.625%
HK$31,093
+HK$1,557/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,072/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,226
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,167
−HK$955/mo
Today · 4.125%
HK$32,122
baseline
▲ 0.50% · 4.625%
HK$34,076
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,244/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,627
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,528
−HK$915/mo
Today · 4.125%
HK$35,443
baseline
▲ 0.50% · 4.625%
HK$37,312
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,886/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,264
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,361
−HK$1,114/mo
Today · 4.125%
HK$37,475
baseline
▲ 0.50% · 4.625%
HK$39,756
+HK$2,281/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,950/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,231
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,283
−HK$1,067/mo
Today · 4.125%
HK$41,350
baseline
▲ 0.50% · 4.625%
HK$43,530
+HK$2,180/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,700/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,340
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,750
−HK$1,433/mo
Today · 4.125%
HK$48,183
baseline
▲ 0.50% · 4.625%
HK$51,115
+HK$2,932/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,366/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,440
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,793
−HK$1,372/mo
Today · 4.125%
HK$53,165
baseline
▲ 0.50% · 4.625%
HK$55,967
+HK$2,802/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,330/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,241 · Scale 2, in force from 26 Feb 2026)