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$25,896
−HK$794/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$413,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,940
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,689
−HK$760/mo
Today · 4.125%
HK$29,449
baseline
▲ 0.50% · 4.625%
HK$31,002
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,898/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,138
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,075
−HK$952/mo
Today · 4.125%
HK$32,027
baseline
▲ 0.50% · 4.625%
HK$33,976
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,054/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,528
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,427
−HK$912/mo
Today · 4.125%
HK$35,339
baseline
▲ 0.50% · 4.625%
HK$37,202
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,678/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,160
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,254
−HK$1,111/mo
Today · 4.125%
HK$37,365
baseline
▲ 0.50% · 4.625%
HK$39,639
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,730/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,116
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,165
−HK$1,064/mo
Today · 4.125%
HK$41,229
baseline
▲ 0.50% · 4.625%
HK$43,402
+HK$2,173/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,458/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,206
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,612
−HK$1,429/mo
Today · 4.125%
HK$48,041
baseline
▲ 0.50% · 4.625%
HK$50,964
+HK$2,923/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,082/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,292
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,640
−HK$1,369/mo
Today · 4.125%
HK$53,009
baseline
▲ 0.50% · 4.625%
HK$55,803
+HK$2,794/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,018/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,023 · Scale 2, in force from 26 Feb 2026)