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$25,114
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,895
−HK$793/mo
Today · 4.125%
HK$26,688
baseline
▲ 0.50% · 4.625%
HK$28,312
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,376/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,939
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,688
−HK$760/mo
Today · 4.125%
HK$29,448
baseline
▲ 0.50% · 4.625%
HK$31,000
+HK$1,552/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,896/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,136
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,074
−HK$952/mo
Today · 4.125%
HK$32,026
baseline
▲ 0.50% · 4.625%
HK$33,975
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,052/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,526
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,425
−HK$913/mo
Today · 4.125%
HK$35,338
baseline
▲ 0.50% · 4.625%
HK$37,200
+HK$1,862/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,676/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,159
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,253
−HK$1,111/mo
Today · 4.125%
HK$37,364
baseline
▲ 0.50% · 4.625%
HK$39,637
+HK$2,273/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,728/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,114
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,163
−HK$1,064/mo
Today · 4.125%
HK$41,227
baseline
▲ 0.50% · 4.625%
HK$43,400
+HK$2,173/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,454/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,204
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,611
−HK$1,428/mo
Today · 4.125%
HK$48,039
baseline
▲ 0.50% · 4.625%
HK$50,962
+HK$2,923/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,078/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,289
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,638
−HK$1,368/mo
Today · 4.125%
HK$53,006
baseline
▲ 0.50% · 4.625%
HK$55,801
+HK$2,795/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,012/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,006 · Scale 2, in force from 26 Feb 2026)