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$25,181
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,964
−HK$796/mo
Today · 4.125%
HK$26,760
baseline
▲ 0.50% · 4.625%
HK$28,388
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,520/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,014
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,765
−HK$762/mo
Today · 4.125%
HK$29,527
baseline
▲ 0.50% · 4.625%
HK$31,084
+HK$1,557/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,054/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,217
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,157
−HK$955/mo
Today · 4.125%
HK$32,112
baseline
▲ 0.50% · 4.625%
HK$34,066
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,224/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,616
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,518
−HK$915/mo
Today · 4.125%
HK$35,433
baseline
▲ 0.50% · 4.625%
HK$37,300
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,866/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,253
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,350
−HK$1,114/mo
Today · 4.125%
HK$37,464
baseline
▲ 0.50% · 4.625%
HK$39,744
+HK$2,280/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,928/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,219
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,271
−HK$1,067/mo
Today · 4.125%
HK$41,338
baseline
▲ 0.50% · 4.625%
HK$43,517
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,676/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,326
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,736
−HK$1,432/mo
Today · 4.125%
HK$48,168
baseline
▲ 0.50% · 4.625%
HK$51,099
+HK$2,931/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,336/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,425
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,777
−HK$1,372/mo
Today · 4.125%
HK$53,149
baseline
▲ 0.50% · 4.625%
HK$55,950
+HK$2,801/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,298/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,115 · Scale 2, in force from 26 Feb 2026)