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$25,151
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,933
−HK$795/mo
Today · 4.125%
HK$26,728
baseline
▲ 0.50% · 4.625%
HK$28,355
+HK$1,627/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,456/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,980
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,731
−HK$761/mo
Today · 4.125%
HK$29,492
baseline
▲ 0.50% · 4.625%
HK$31,047
+HK$1,555/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,984/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,181
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,120
−HK$954/mo
Today · 4.125%
HK$32,074
baseline
▲ 0.50% · 4.625%
HK$34,026
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,148/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,576
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,477
−HK$913/mo
Today · 4.125%
HK$35,390
baseline
▲ 0.50% · 4.625%
HK$37,256
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,780/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,211
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,307
−HK$1,113/mo
Today · 4.125%
HK$37,420
baseline
▲ 0.50% · 4.625%
HK$39,696
+HK$2,276/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,840/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,172
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,223
−HK$1,066/mo
Today · 4.125%
HK$41,289
baseline
▲ 0.50% · 4.625%
HK$43,465
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,578/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,272
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,680
−HK$1,431/mo
Today · 4.125%
HK$48,111
baseline
▲ 0.50% · 4.625%
HK$51,038
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,222/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,365
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,715
−HK$1,371/mo
Today · 4.125%
HK$53,086
baseline
▲ 0.50% · 4.625%
HK$55,884
+HK$2,798/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,172/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,623 · Scale 2, in force from 26 Feb 2026)