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$25,125
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,907
−HK$794/mo
Today · 4.125%
HK$26,701
baseline
▲ 0.50% · 4.625%
HK$28,325
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,402/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,951
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,701
−HK$761/mo
Today · 4.125%
HK$29,462
baseline
▲ 0.50% · 4.625%
HK$31,015
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,924/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,150
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,088
−HK$953/mo
Today · 4.125%
HK$32,041
baseline
▲ 0.50% · 4.625%
HK$33,990
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,082/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,542
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,441
−HK$913/mo
Today · 4.125%
HK$35,354
baseline
▲ 0.50% · 4.625%
HK$37,217
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,708/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,175
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,269
−HK$1,112/mo
Today · 4.125%
HK$37,381
baseline
▲ 0.50% · 4.625%
HK$39,656
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$74,762/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,132
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,182
−HK$1,064/mo
Today · 4.125%
HK$41,246
baseline
▲ 0.50% · 4.625%
HK$43,420
+HK$2,174/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$82,492/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,225
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,632
−HK$1,429/mo
Today · 4.125%
HK$48,061
baseline
▲ 0.50% · 4.625%
HK$50,986
+HK$2,925/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,122/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,313
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,662
−HK$1,369/mo
Today · 4.125%
HK$53,031
baseline
▲ 0.50% · 4.625%
HK$55,826
+HK$2,795/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,062/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,196 · Scale 2, in force from 26 Feb 2026)