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$25,164
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,947
−HK$795/mo
Today · 4.125%
HK$26,742
baseline
▲ 0.50% · 4.625%
HK$28,369
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,484/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,995
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,745
−HK$762/mo
Today · 4.125%
HK$29,507
baseline
▲ 0.50% · 4.625%
HK$31,062
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,014/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,197
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,136
−HK$954/mo
Today · 4.125%
HK$32,090
baseline
▲ 0.50% · 4.625%
HK$34,043
+HK$1,953/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,180/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,594
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,495
−HK$914/mo
Today · 4.125%
HK$35,409
baseline
▲ 0.50% · 4.625%
HK$37,275
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,818/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,230
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,325
−HK$1,114/mo
Today · 4.125%
HK$37,439
baseline
▲ 0.50% · 4.625%
HK$39,717
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,878/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,193
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,244
−HK$1,066/mo
Today · 4.125%
HK$41,310
baseline
▲ 0.50% · 4.625%
HK$43,487
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,620/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,295
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,704
−HK$1,432/mo
Today · 4.125%
HK$48,136
baseline
▲ 0.50% · 4.625%
HK$51,064
+HK$2,928/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,272/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,390
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,742
−HK$1,371/mo
Today · 4.125%
HK$53,113
baseline
▲ 0.50% · 4.625%
HK$55,912
+HK$2,799/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,226/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,835 · Scale 2, in force from 26 Feb 2026)