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$25,140
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,922
−HK$794/mo
Today · 4.125%
HK$26,716
baseline
▲ 0.50% · 4.625%
HK$28,342
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,432/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,968
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,718
−HK$761/mo
Today · 4.125%
HK$29,479
baseline
▲ 0.50% · 4.625%
HK$31,032
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,958/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,167
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,106
−HK$953/mo
Today · 4.125%
HK$32,059
baseline
▲ 0.50% · 4.625%
HK$34,010
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,118/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,561
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,461
−HK$913/mo
Today · 4.125%
HK$35,374
baseline
▲ 0.50% · 4.625%
HK$37,239
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,748/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,195
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,290
−HK$1,112/mo
Today · 4.125%
HK$37,402
baseline
▲ 0.50% · 4.625%
HK$39,678
+HK$2,276/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,804/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,155
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,205
−HK$1,065/mo
Today · 4.125%
HK$41,270
baseline
▲ 0.50% · 4.625%
HK$43,445
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,540/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,251
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,659
−HK$1,430/mo
Today · 4.125%
HK$48,089
baseline
▲ 0.50% · 4.625%
HK$51,015
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,178/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,342
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,692
−HK$1,369/mo
Today · 4.125%
HK$53,061
baseline
▲ 0.50% · 4.625%
HK$55,858
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,122/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,434 · Scale 2, in force from 26 Feb 2026)