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$25,112
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,893
−HK$794/mo
Today · 4.125%
HK$26,687
baseline
▲ 0.50% · 4.625%
HK$28,311
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,374/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,937
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,686
−HK$760/mo
Today · 4.125%
HK$29,446
baseline
▲ 0.50% · 4.625%
HK$30,998
+HK$1,552/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,892/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,134
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,072
−HK$952/mo
Today · 4.125%
HK$32,024
baseline
▲ 0.50% · 4.625%
HK$33,973
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,048/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,524
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,423
−HK$912/mo
Today · 4.125%
HK$35,335
baseline
▲ 0.50% · 4.625%
HK$37,198
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,670/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,157
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,250
−HK$1,111/mo
Today · 4.125%
HK$37,361
baseline
▲ 0.50% · 4.625%
HK$39,635
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,722/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,112
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,161
−HK$1,064/mo
Today · 4.125%
HK$41,225
baseline
▲ 0.50% · 4.625%
HK$43,398
+HK$2,173/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,450/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,202
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,608
−HK$1,428/mo
Today · 4.125%
HK$48,036
baseline
▲ 0.50% · 4.625%
HK$50,959
+HK$2,923/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,072/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,286
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,635
−HK$1,368/mo
Today · 4.125%
HK$53,003
baseline
▲ 0.50% · 4.625%
HK$55,797
+HK$2,794/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,006/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,981 · Scale 2, in force from 26 Feb 2026)