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$25,131
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,913
−HK$794/mo
Today · 4.125%
HK$26,707
baseline
▲ 0.50% · 4.625%
HK$28,332
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,414/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,958
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,708
−HK$760/mo
Today · 4.125%
HK$29,468
baseline
▲ 0.50% · 4.625%
HK$31,022
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,936/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,157
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,095
−HK$953/mo
Today · 4.125%
HK$32,048
baseline
▲ 0.50% · 4.625%
HK$33,998
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,096/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,550
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,449
−HK$913/mo
Today · 4.125%
HK$35,362
baseline
▲ 0.50% · 4.625%
HK$37,226
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,724/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,183
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,278
−HK$1,112/mo
Today · 4.125%
HK$37,390
baseline
▲ 0.50% · 4.625%
HK$39,665
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$74,780/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,141
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,191
−HK$1,065/mo
Today · 4.125%
HK$41,256
baseline
▲ 0.50% · 4.625%
HK$43,431
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$82,512/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,236
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,643
−HK$1,429/mo
Today · 4.125%
HK$48,072
baseline
▲ 0.50% · 4.625%
HK$50,998
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,144/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,324
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,674
−HK$1,369/mo
Today · 4.125%
HK$53,043
baseline
▲ 0.50% · 4.625%
HK$55,839
+HK$2,796/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,086/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,293 · Scale 2, in force from 26 Feb 2026)