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$25,161
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,943
−HK$795/mo
Today · 4.125%
HK$26,738
baseline
▲ 0.50% · 4.625%
HK$28,365
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,476/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,991
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,742
−HK$761/mo
Today · 4.125%
HK$29,503
baseline
▲ 0.50% · 4.625%
HK$31,058
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,006/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,193
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,132
−HK$954/mo
Today · 4.125%
HK$32,086
baseline
▲ 0.50% · 4.625%
HK$34,039
+HK$1,953/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,172/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,589
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,490
−HK$914/mo
Today · 4.125%
HK$35,404
baseline
▲ 0.50% · 4.625%
HK$37,270
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,808/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,225
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,321
−HK$1,113/mo
Today · 4.125%
HK$37,434
baseline
▲ 0.50% · 4.625%
HK$39,712
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,868/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,187
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,238
−HK$1,067/mo
Today · 4.125%
HK$41,305
baseline
▲ 0.50% · 4.625%
HK$43,482
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,610/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,289
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,698
−HK$1,431/mo
Today · 4.125%
HK$48,129
baseline
▲ 0.50% · 4.625%
HK$51,058
+HK$2,929/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,258/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,384
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,735
−HK$1,371/mo
Today · 4.125%
HK$53,106
baseline
▲ 0.50% · 4.625%
HK$55,905
+HK$2,799/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,212/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,781 · Scale 2, in force from 26 Feb 2026)