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$25,150
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,933
−HK$795/mo
Today · 4.125%
HK$26,728
baseline
▲ 0.50% · 4.625%
HK$28,354
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,456/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,980
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,730
−HK$761/mo
Today · 4.125%
HK$29,491
baseline
▲ 0.50% · 4.625%
HK$31,046
+HK$1,555/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,982/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,181
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,119
−HK$954/mo
Today · 4.125%
HK$32,073
baseline
▲ 0.50% · 4.625%
HK$34,025
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,146/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,576
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,476
−HK$914/mo
Today · 4.125%
HK$35,390
baseline
▲ 0.50% · 4.625%
HK$37,255
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,780/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,211
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,306
−HK$1,113/mo
Today · 4.125%
HK$37,419
baseline
▲ 0.50% · 4.625%
HK$39,696
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,838/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,172
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,222
−HK$1,066/mo
Today · 4.125%
HK$41,288
baseline
▲ 0.50% · 4.625%
HK$43,464
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,576/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,271
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,679
−HK$1,431/mo
Today · 4.125%
HK$48,110
baseline
▲ 0.50% · 4.625%
HK$51,037
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,220/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,363
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,714
−HK$1,370/mo
Today · 4.125%
HK$53,084
baseline
▲ 0.50% · 4.625%
HK$55,883
+HK$2,799/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,168/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,613 · Scale 2, in force from 26 Feb 2026)