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$25,130
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,912
−HK$794/mo
Today · 4.125%
HK$26,706
baseline
▲ 0.50% · 4.625%
HK$28,331
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,412/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,957
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,707
−HK$760/mo
Today · 4.125%
HK$29,467
baseline
▲ 0.50% · 4.625%
HK$31,021
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,934/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,156
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,094
−HK$953/mo
Today · 4.125%
HK$32,047
baseline
▲ 0.50% · 4.625%
HK$33,997
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,094/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,548
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,448
−HK$913/mo
Today · 4.125%
HK$35,361
baseline
▲ 0.50% · 4.625%
HK$37,225
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,722/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,182
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,277
−HK$1,111/mo
Today · 4.125%
HK$37,388
baseline
▲ 0.50% · 4.625%
HK$39,663
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$74,776/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,140
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,189
−HK$1,065/mo
Today · 4.125%
HK$41,254
baseline
▲ 0.50% · 4.625%
HK$43,429
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$82,508/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,234
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,641
−HK$1,430/mo
Today · 4.125%
HK$48,071
baseline
▲ 0.50% · 4.625%
HK$50,996
+HK$2,925/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,142/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,323
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,672
−HK$1,369/mo
Today · 4.125%
HK$53,041
baseline
▲ 0.50% · 4.625%
HK$55,837
+HK$2,796/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,082/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,278 · Scale 2, in force from 26 Feb 2026)