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$25,133
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,914
−HK$795/mo
Today · 4.125%
HK$26,709
baseline
▲ 0.50% · 4.625%
HK$28,334
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,418/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,960
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,710
−HK$760/mo
Today · 4.125%
HK$29,470
baseline
▲ 0.50% · 4.625%
HK$31,024
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,940/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,159
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,097
−HK$953/mo
Today · 4.125%
HK$32,050
baseline
▲ 0.50% · 4.625%
HK$34,001
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,100/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,552
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,452
−HK$912/mo
Today · 4.125%
HK$35,364
baseline
▲ 0.50% · 4.625%
HK$37,228
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,728/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,186
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,280
−HK$1,112/mo
Today · 4.125%
HK$37,392
baseline
▲ 0.50% · 4.625%
HK$39,667
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,784/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,144
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,193
−HK$1,065/mo
Today · 4.125%
HK$41,258
baseline
▲ 0.50% · 4.625%
HK$43,433
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,516/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,239
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,646
−HK$1,429/mo
Today · 4.125%
HK$48,075
baseline
▲ 0.50% · 4.625%
HK$51,001
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,150/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,328
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,677
−HK$1,370/mo
Today · 4.125%
HK$53,047
baseline
▲ 0.50% · 4.625%
HK$55,843
+HK$2,796/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,094/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,319 · Scale 2, in force from 26 Feb 2026)