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$25,115
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,897
−HK$793/mo
Today · 4.125%
HK$26,690
baseline
▲ 0.50% · 4.625%
HK$28,314
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,380/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,941
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,690
−HK$760/mo
Today · 4.125%
HK$29,450
baseline
▲ 0.50% · 4.625%
HK$31,002
+HK$1,552/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,900/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,138
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,076
−HK$952/mo
Today · 4.125%
HK$32,028
baseline
▲ 0.50% · 4.625%
HK$33,977
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,056/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,529
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,428
−HK$912/mo
Today · 4.125%
HK$35,340
baseline
▲ 0.50% · 4.625%
HK$37,203
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,680/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,161
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,255
−HK$1,111/mo
Today · 4.125%
HK$37,366
baseline
▲ 0.50% · 4.625%
HK$39,640
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,732/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,117
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,166
−HK$1,064/mo
Today · 4.125%
HK$41,230
baseline
▲ 0.50% · 4.625%
HK$43,403
+HK$2,173/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,460/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,208
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,614
−HK$1,429/mo
Today · 4.125%
HK$48,043
baseline
▲ 0.50% · 4.625%
HK$50,966
+HK$2,923/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,086/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,293
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,642
−HK$1,368/mo
Today · 4.125%
HK$53,010
baseline
▲ 0.50% · 4.625%
HK$55,804
+HK$2,794/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,020/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,035 · Scale 2, in force from 26 Feb 2026)