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$25,147
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,929
−HK$795/mo
Today · 4.125%
HK$26,724
baseline
▲ 0.50% · 4.625%
HK$28,350
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,448/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,976
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,726
−HK$761/mo
Today · 4.125%
HK$29,487
baseline
▲ 0.50% · 4.625%
HK$31,041
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,974/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,176
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,115
−HK$954/mo
Today · 4.125%
HK$32,069
baseline
▲ 0.50% · 4.625%
HK$34,020
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,138/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,571
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,471
−HK$913/mo
Today · 4.125%
HK$35,384
baseline
▲ 0.50% · 4.625%
HK$37,250
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,768/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,206
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,301
−HK$1,112/mo
Today · 4.125%
HK$37,413
baseline
▲ 0.50% · 4.625%
HK$39,690
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,826/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,166
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,216
−HK$1,066/mo
Today · 4.125%
HK$41,282
baseline
▲ 0.50% · 4.625%
HK$43,458
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,564/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,264
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,672
−HK$1,431/mo
Today · 4.125%
HK$48,103
baseline
▲ 0.50% · 4.625%
HK$51,030
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,206/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,356
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,707
−HK$1,370/mo
Today · 4.125%
HK$53,077
baseline
▲ 0.50% · 4.625%
HK$55,874
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,154/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,553 · Scale 2, in force from 26 Feb 2026)