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$25,119
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,900
−HK$794/mo
Today · 4.125%
HK$26,694
baseline
▲ 0.50% · 4.625%
HK$28,318
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,388/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,945
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,694
−HK$760/mo
Today · 4.125%
HK$29,454
baseline
▲ 0.50% · 4.625%
HK$31,007
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,908/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,143
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,080
−HK$953/mo
Today · 4.125%
HK$32,033
baseline
▲ 0.50% · 4.625%
HK$33,982
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,066/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,534
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,433
−HK$912/mo
Today · 4.125%
HK$35,345
baseline
▲ 0.50% · 4.625%
HK$37,208
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,690/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,167
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,260
−HK$1,112/mo
Today · 4.125%
HK$37,372
baseline
▲ 0.50% · 4.625%
HK$39,646
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,744/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,122
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,172
−HK$1,064/mo
Today · 4.125%
HK$41,236
baseline
▲ 0.50% · 4.625%
HK$43,410
+HK$2,174/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,472/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,214
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,621
−HK$1,429/mo
Today · 4.125%
HK$48,050
baseline
▲ 0.50% · 4.625%
HK$50,973
+HK$2,923/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,100/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,300
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,649
−HK$1,369/mo
Today · 4.125%
HK$53,018
baseline
▲ 0.50% · 4.625%
HK$55,813
+HK$2,795/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,036/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,096 · Scale 2, in force from 26 Feb 2026)