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$25,149
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,932
−HK$795/mo
Today · 4.125%
HK$26,727
baseline
▲ 0.50% · 4.625%
HK$28,353
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,454/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,978
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,729
−HK$761/mo
Today · 4.125%
HK$29,490
baseline
▲ 0.50% · 4.625%
HK$31,045
+HK$1,555/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,980/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,179
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,118
−HK$954/mo
Today · 4.125%
HK$32,072
baseline
▲ 0.50% · 4.625%
HK$34,023
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,144/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,574
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,475
−HK$913/mo
Today · 4.125%
HK$35,388
baseline
▲ 0.50% · 4.625%
HK$37,253
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,776/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,209
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,304
−HK$1,113/mo
Today · 4.125%
HK$37,417
baseline
▲ 0.50% · 4.625%
HK$39,694
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,834/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,170
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,220
−HK$1,066/mo
Today · 4.125%
HK$41,286
baseline
▲ 0.50% · 4.625%
HK$43,462
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,572/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,269
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,677
−HK$1,431/mo
Today · 4.125%
HK$48,108
baseline
▲ 0.50% · 4.625%
HK$51,035
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,216/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,361
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,712
−HK$1,370/mo
Today · 4.125%
HK$53,082
baseline
▲ 0.50% · 4.625%
HK$55,880
+HK$2,798/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,164/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,596 · Scale 2, in force from 26 Feb 2026)