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$25,122
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,903
−HK$794/mo
Today · 4.125%
HK$26,697
baseline
▲ 0.50% · 4.625%
HK$28,322
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,394/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,948
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,698
−HK$760/mo
Today · 4.125%
HK$29,458
baseline
▲ 0.50% · 4.625%
HK$31,011
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,916/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,146
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,084
−HK$953/mo
Today · 4.125%
HK$32,037
baseline
▲ 0.50% · 4.625%
HK$33,986
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,074/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,538
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,437
−HK$913/mo
Today · 4.125%
HK$35,350
baseline
▲ 0.50% · 4.625%
HK$37,213
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,700/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,171
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,265
−HK$1,111/mo
Today · 4.125%
HK$37,376
baseline
▲ 0.50% · 4.625%
HK$39,651
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$74,752/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,127
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,177
−HK$1,064/mo
Today · 4.125%
HK$41,241
baseline
▲ 0.50% · 4.625%
HK$43,415
+HK$2,174/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$82,482/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,220
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,626
−HK$1,429/mo
Today · 4.125%
HK$48,055
baseline
▲ 0.50% · 4.625%
HK$50,979
+HK$2,924/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,110/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,306
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,656
−HK$1,368/mo
Today · 4.125%
HK$53,024
baseline
▲ 0.50% · 4.625%
HK$55,819
+HK$2,795/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,048/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,145 · Scale 2, in force from 26 Feb 2026)