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$25,166
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,949
−HK$795/mo
Today · 4.125%
HK$26,744
baseline
▲ 0.50% · 4.625%
HK$28,371
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,488/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,997
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,748
−HK$762/mo
Today · 4.125%
HK$29,510
baseline
▲ 0.50% · 4.625%
HK$31,065
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,020/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,199
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,139
−HK$954/mo
Today · 4.125%
HK$32,093
baseline
▲ 0.50% · 4.625%
HK$34,046
+HK$1,953/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,186/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,596
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,497
−HK$914/mo
Today · 4.125%
HK$35,411
baseline
▲ 0.50% · 4.625%
HK$37,278
+HK$1,867/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,822/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,232
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,328
−HK$1,114/mo
Today · 4.125%
HK$37,442
baseline
▲ 0.50% · 4.625%
HK$39,720
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,884/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,196
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,247
−HK$1,066/mo
Today · 4.125%
HK$41,313
baseline
▲ 0.50% · 4.625%
HK$43,491
+HK$2,178/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,626/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,299
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,708
−HK$1,431/mo
Today · 4.125%
HK$48,139
baseline
▲ 0.50% · 4.625%
HK$51,069
+HK$2,930/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,278/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,394
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,746
−HK$1,371/mo
Today · 4.125%
HK$53,117
baseline
▲ 0.50% · 4.625%
HK$55,917
+HK$2,800/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,234/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,868 · Scale 2, in force from 26 Feb 2026)