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$25,136
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,918
−HK$795/mo
Today · 4.125%
HK$26,713
baseline
▲ 0.50% · 4.625%
HK$28,338
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,426/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,964
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,714
−HK$761/mo
Today · 4.125%
HK$29,475
baseline
▲ 0.50% · 4.625%
HK$31,028
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,950/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,164
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,102
−HK$953/mo
Today · 4.125%
HK$32,055
baseline
▲ 0.50% · 4.625%
HK$34,006
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,110/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,557
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,457
−HK$913/mo
Today · 4.125%
HK$35,370
baseline
▲ 0.50% · 4.625%
HK$37,234
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,740/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,191
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,285
−HK$1,113/mo
Today · 4.125%
HK$37,398
baseline
▲ 0.50% · 4.625%
HK$39,673
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,796/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,149
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,199
−HK$1,066/mo
Today · 4.125%
HK$41,265
baseline
▲ 0.50% · 4.625%
HK$43,440
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,530/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,245
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,653
−HK$1,430/mo
Today · 4.125%
HK$48,083
baseline
▲ 0.50% · 4.625%
HK$51,008
+HK$2,925/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,166/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,335
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,685
−HK$1,369/mo
Today · 4.125%
HK$53,054
baseline
▲ 0.50% · 4.625%
HK$55,851
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,108/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,380 · Scale 2, in force from 26 Feb 2026)