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$25,120
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,901
−HK$794/mo
Today · 4.125%
HK$26,695
baseline
▲ 0.50% · 4.625%
HK$28,319
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,390/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,946
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,695
−HK$760/mo
Today · 4.125%
HK$29,455
baseline
▲ 0.50% · 4.625%
HK$31,008
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,910/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,144
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,081
−HK$953/mo
Today · 4.125%
HK$32,034
baseline
▲ 0.50% · 4.625%
HK$33,983
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,068/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,535
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,434
−HK$912/mo
Today · 4.125%
HK$35,346
baseline
▲ 0.50% · 4.625%
HK$37,210
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,692/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,168
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,262
−HK$1,111/mo
Today · 4.125%
HK$37,373
baseline
▲ 0.50% · 4.625%
HK$39,647
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,746/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,124
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,173
−HK$1,065/mo
Today · 4.125%
HK$41,238
baseline
▲ 0.50% · 4.625%
HK$43,411
+HK$2,173/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,476/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,216
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,622
−HK$1,429/mo
Today · 4.125%
HK$48,051
baseline
▲ 0.50% · 4.625%
HK$50,975
+HK$2,924/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,102/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,302
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,651
−HK$1,369/mo
Today · 4.125%
HK$53,020
baseline
▲ 0.50% · 4.625%
HK$55,814
+HK$2,794/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,040/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,109 · Scale 2, in force from 26 Feb 2026)