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$25,110
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,891
−HK$794/mo
Today · 4.125%
HK$26,685
baseline
▲ 0.50% · 4.625%
HK$28,309
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,370/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,935
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,684
−HK$760/mo
Today · 4.125%
HK$29,444
baseline
▲ 0.50% · 4.625%
HK$30,996
+HK$1,552/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,888/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,133
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,070
−HK$952/mo
Today · 4.125%
HK$32,022
baseline
▲ 0.50% · 4.625%
HK$33,971
+HK$1,949/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$64,044/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,522
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,421
−HK$912/mo
Today · 4.125%
HK$35,333
baseline
▲ 0.50% · 4.625%
HK$37,196
+HK$1,863/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$70,666/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,155
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,248
−HK$1,111/mo
Today · 4.125%
HK$37,359
baseline
▲ 0.50% · 4.625%
HK$39,632
+HK$2,273/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,718/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,109
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,158
−HK$1,064/mo
Today · 4.125%
HK$41,222
baseline
▲ 0.50% · 4.625%
HK$43,395
+HK$2,173/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,444/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,199
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,605
−HK$1,428/mo
Today · 4.125%
HK$48,033
baseline
▲ 0.50% · 4.625%
HK$50,956
+HK$2,923/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,066/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,283
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,632
−HK$1,368/mo
Today · 4.125%
HK$53,000
baseline
▲ 0.50% · 4.625%
HK$55,793
+HK$2,793/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,000/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,954 · Scale 2, in force from 26 Feb 2026)