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$25,162
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,944
−HK$796/mo
Today · 4.125%
HK$26,740
baseline
▲ 0.50% · 4.625%
HK$28,367
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,480/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,992
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,743
−HK$762/mo
Today · 4.125%
HK$29,505
baseline
▲ 0.50% · 4.625%
HK$31,060
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,010/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,194
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,133
−HK$955/mo
Today · 4.125%
HK$32,088
baseline
▲ 0.50% · 4.625%
HK$34,040
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,176/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,591
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,492
−HK$913/mo
Today · 4.125%
HK$35,405
baseline
▲ 0.50% · 4.625%
HK$37,272
+HK$1,867/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,810/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,226
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,322
−HK$1,113/mo
Today · 4.125%
HK$37,435
baseline
▲ 0.50% · 4.625%
HK$39,713
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,870/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,189
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,240
−HK$1,066/mo
Today · 4.125%
HK$41,306
baseline
▲ 0.50% · 4.625%
HK$43,484
+HK$2,178/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,612/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,291
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,700
−HK$1,431/mo
Today · 4.125%
HK$48,131
baseline
▲ 0.50% · 4.625%
HK$51,060
+HK$2,929/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,262/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,386
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,737
−HK$1,371/mo
Today · 4.125%
HK$53,108
baseline
▲ 0.50% · 4.625%
HK$55,908
+HK$2,800/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,216/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,799 · Scale 2, in force from 26 Feb 2026)