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$25,136
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,918
−HK$794/mo
Today · 4.125%
HK$26,712
baseline
▲ 0.50% · 4.625%
HK$28,338
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,424/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,964
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,713
−HK$761/mo
Today · 4.125%
HK$29,474
baseline
▲ 0.50% · 4.625%
HK$31,028
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,948/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,163
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,101
−HK$954/mo
Today · 4.125%
HK$32,055
baseline
▲ 0.50% · 4.625%
HK$34,005
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,110/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,556
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,456
−HK$913/mo
Today · 4.125%
HK$35,369
baseline
▲ 0.50% · 4.625%
HK$37,234
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,738/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,190
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,285
−HK$1,112/mo
Today · 4.125%
HK$37,397
baseline
▲ 0.50% · 4.625%
HK$39,673
+HK$2,276/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,794/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,149
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,199
−HK$1,065/mo
Today · 4.125%
HK$41,264
baseline
▲ 0.50% · 4.625%
HK$43,439
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,528/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,245
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,652
−HK$1,430/mo
Today · 4.125%
HK$48,082
baseline
▲ 0.50% · 4.625%
HK$51,008
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,164/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,334
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,684
−HK$1,370/mo
Today · 4.125%
HK$53,054
baseline
▲ 0.50% · 4.625%
HK$55,850
+HK$2,796/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,108/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,375 · Scale 2, in force from 26 Feb 2026)