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$25,110
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,891
−HK$793/mo
Today · 4.125%
HK$26,684
baseline
▲ 0.50% · 4.625%
HK$28,308
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,368/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,934
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,683
−HK$760/mo
Today · 4.125%
HK$29,443
baseline
▲ 0.50% · 4.625%
HK$30,995
+HK$1,552/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,886/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,132
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,069
−HK$952/mo
Today · 4.125%
HK$32,021
baseline
▲ 0.50% · 4.625%
HK$33,970
+HK$1,949/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$64,042/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,521
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,420
−HK$912/mo
Today · 4.125%
HK$35,332
baseline
▲ 0.50% · 4.625%
HK$37,195
+HK$1,863/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$70,664/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,154
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,247
−HK$1,111/mo
Today · 4.125%
HK$37,358
baseline
▲ 0.50% · 4.625%
HK$39,631
+HK$2,273/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,716/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,108
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,157
−HK$1,064/mo
Today · 4.125%
HK$41,221
baseline
▲ 0.50% · 4.625%
HK$43,394
+HK$2,173/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,442/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,197
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,603
−HK$1,429/mo
Today · 4.125%
HK$48,032
baseline
▲ 0.50% · 4.625%
HK$50,954
+HK$2,922/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,064/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,282
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,630
−HK$1,368/mo
Today · 4.125%
HK$52,998
baseline
▲ 0.50% · 4.625%
HK$55,792
+HK$2,794/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,996/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,942 · Scale 2, in force from 26 Feb 2026)