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$25,172
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,955
−HK$796/mo
Today · 4.125%
HK$26,751
baseline
▲ 0.50% · 4.625%
HK$28,379
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,502/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,004
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,755
−HK$762/mo
Today · 4.125%
HK$29,517
baseline
▲ 0.50% · 4.625%
HK$31,073
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,034/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,207
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,146
−HK$955/mo
Today · 4.125%
HK$32,101
baseline
▲ 0.50% · 4.625%
HK$34,054
+HK$1,953/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$64,202/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,605
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,506
−HK$914/mo
Today · 4.125%
HK$35,420
baseline
▲ 0.50% · 4.625%
HK$37,287
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$70,840/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,241
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,337
−HK$1,114/mo
Today · 4.125%
HK$37,451
baseline
▲ 0.50% · 4.625%
HK$39,730
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,902/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,206
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,257
−HK$1,067/mo
Today · 4.125%
HK$41,324
baseline
▲ 0.50% · 4.625%
HK$43,502
+HK$2,178/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,648/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,310
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,720
−HK$1,432/mo
Today · 4.125%
HK$48,152
baseline
▲ 0.50% · 4.625%
HK$51,081
+HK$2,929/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,304/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,407
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,759
−HK$1,372/mo
Today · 4.125%
HK$53,131
baseline
▲ 0.50% · 4.625%
HK$55,931
+HK$2,800/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,262/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,973 · Scale 2, in force from 26 Feb 2026)