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$25,148
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,930
−HK$795/mo
Today · 4.125%
HK$26,725
baseline
▲ 0.50% · 4.625%
HK$28,351
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,450/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,976
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,727
−HK$761/mo
Today · 4.125%
HK$29,488
baseline
▲ 0.50% · 4.625%
HK$31,042
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,976/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,177
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,116
−HK$953/mo
Today · 4.125%
HK$32,069
baseline
▲ 0.50% · 4.625%
HK$34,021
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,138/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,572
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,472
−HK$913/mo
Today · 4.125%
HK$35,385
baseline
▲ 0.50% · 4.625%
HK$37,251
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,770/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,207
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,302
−HK$1,112/mo
Today · 4.125%
HK$37,414
baseline
▲ 0.50% · 4.625%
HK$39,691
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,828/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,167
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,217
−HK$1,066/mo
Today · 4.125%
HK$41,283
baseline
▲ 0.50% · 4.625%
HK$43,459
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,566/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,266
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,674
−HK$1,430/mo
Today · 4.125%
HK$48,104
baseline
▲ 0.50% · 4.625%
HK$51,031
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,208/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,358
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,708
−HK$1,370/mo
Today · 4.125%
HK$53,078
baseline
▲ 0.50% · 4.625%
HK$55,876
+HK$2,798/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,156/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,565 · Scale 2, in force from 26 Feb 2026)