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$25,128
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,909
−HK$795/mo
Today · 4.125%
HK$26,704
baseline
▲ 0.50% · 4.625%
HK$28,328
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,408/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,954
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,704
−HK$761/mo
Today · 4.125%
HK$29,465
baseline
▲ 0.50% · 4.625%
HK$31,018
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,930/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,153
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,091
−HK$953/mo
Today · 4.125%
HK$32,044
baseline
▲ 0.50% · 4.625%
HK$33,994
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,088/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,545
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,445
−HK$913/mo
Today · 4.125%
HK$35,358
baseline
▲ 0.50% · 4.625%
HK$37,221
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,716/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,179
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,273
−HK$1,112/mo
Today · 4.125%
HK$37,385
baseline
▲ 0.50% · 4.625%
HK$39,660
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$74,770/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,136
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,186
−HK$1,065/mo
Today · 4.125%
HK$41,251
baseline
▲ 0.50% · 4.625%
HK$43,425
+HK$2,174/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$82,502/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,230
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,637
−HK$1,429/mo
Today · 4.125%
HK$48,066
baseline
▲ 0.50% · 4.625%
HK$50,991
+HK$2,925/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,132/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,318
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,667
−HK$1,370/mo
Today · 4.125%
HK$53,037
baseline
▲ 0.50% · 4.625%
HK$55,832
+HK$2,795/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,074/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,240 · Scale 2, in force from 26 Feb 2026)