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$25,170
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,953
−HK$796/mo
Today · 4.125%
HK$26,749
baseline
▲ 0.50% · 4.625%
HK$28,376
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,498/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,002
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,753
−HK$762/mo
Today · 4.125%
HK$29,515
baseline
▲ 0.50% · 4.625%
HK$31,071
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,030/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,205
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,144
−HK$955/mo
Today · 4.125%
HK$32,099
baseline
▲ 0.50% · 4.625%
HK$34,052
+HK$1,953/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$64,198/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,602
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,503
−HK$915/mo
Today · 4.125%
HK$35,418
baseline
▲ 0.50% · 4.625%
HK$37,285
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$70,836/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,239
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,335
−HK$1,113/mo
Today · 4.125%
HK$37,448
baseline
▲ 0.50% · 4.625%
HK$39,727
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,896/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,203
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,254
−HK$1,067/mo
Today · 4.125%
HK$41,321
baseline
▲ 0.50% · 4.625%
HK$43,499
+HK$2,178/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,642/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$413,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,307
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,716
−HK$1,432/mo
Today · 4.125%
HK$48,148
baseline
▲ 0.50% · 4.625%
HK$51,078
+HK$2,930/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,296/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,403
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,755
−HK$1,372/mo
Today · 4.125%
HK$53,127
baseline
▲ 0.50% · 4.625%
HK$55,927
+HK$2,800/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,254/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,942 · Scale 2, in force from 26 Feb 2026)