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$25,121
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,902
−HK$794/mo
Today · 4.125%
HK$26,696
baseline
▲ 0.50% · 4.625%
HK$28,320
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,392/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,947
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,696
−HK$760/mo
Today · 4.125%
HK$29,456
baseline
▲ 0.50% · 4.625%
HK$31,009
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,912/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,145
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,083
−HK$952/mo
Today · 4.125%
HK$32,035
baseline
▲ 0.50% · 4.625%
HK$33,985
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,070/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,536
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,435
−HK$913/mo
Today · 4.125%
HK$35,348
baseline
▲ 0.50% · 4.625%
HK$37,211
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,696/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,169
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,263
−HK$1,111/mo
Today · 4.125%
HK$37,374
baseline
▲ 0.50% · 4.625%
HK$39,649
+HK$2,275/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,748/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,125
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,175
−HK$1,064/mo
Today · 4.125%
HK$41,239
baseline
▲ 0.50% · 4.625%
HK$43,413
+HK$2,174/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,478/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,217
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,624
−HK$1,429/mo
Today · 4.125%
HK$48,053
baseline
▲ 0.50% · 4.625%
HK$50,977
+HK$2,924/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,106/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,304
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,653
−HK$1,369/mo
Today · 4.125%
HK$53,022
baseline
▲ 0.50% · 4.625%
HK$55,816
+HK$2,794/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,044/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,125 · Scale 2, in force from 26 Feb 2026)