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$25,118
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,899
−HK$794/mo
Today · 4.125%
HK$26,693
baseline
▲ 0.50% · 4.625%
HK$28,317
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,386/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,944
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,693
−HK$760/mo
Today · 4.125%
HK$29,453
baseline
▲ 0.50% · 4.625%
HK$31,006
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,906/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,142
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,079
−HK$953/mo
Today · 4.125%
HK$32,032
baseline
▲ 0.50% · 4.625%
HK$33,981
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,064/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,532
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,432
−HK$912/mo
Today · 4.125%
HK$35,344
baseline
▲ 0.50% · 4.625%
HK$37,207
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,688/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,165
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,259
−HK$1,111/mo
Today · 4.125%
HK$37,370
baseline
▲ 0.50% · 4.625%
HK$39,644
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,740/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,121
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,170
−HK$1,065/mo
Today · 4.125%
HK$41,235
baseline
▲ 0.50% · 4.625%
HK$43,408
+HK$2,173/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,470/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,213
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,619
−HK$1,429/mo
Today · 4.125%
HK$48,048
baseline
▲ 0.50% · 4.625%
HK$50,971
+HK$2,923/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,096/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,298
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,647
−HK$1,369/mo
Today · 4.125%
HK$53,016
baseline
▲ 0.50% · 4.625%
HK$55,810
+HK$2,794/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,032/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,080 · Scale 2, in force from 26 Feb 2026)