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$25,135
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,917
−HK$794/mo
Today · 4.125%
HK$26,711
baseline
▲ 0.50% · 4.625%
HK$28,337
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,422/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,963
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,712
−HK$761/mo
Today · 4.125%
HK$29,473
baseline
▲ 0.50% · 4.625%
HK$31,027
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,946/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,162
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,100
−HK$954/mo
Today · 4.125%
HK$32,054
baseline
▲ 0.50% · 4.625%
HK$34,004
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,108/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,555
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,455
−HK$913/mo
Today · 4.125%
HK$35,368
baseline
▲ 0.50% · 4.625%
HK$37,232
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,736/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,189
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,284
−HK$1,112/mo
Today · 4.125%
HK$37,396
baseline
▲ 0.50% · 4.625%
HK$39,671
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,792/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,148
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,197
−HK$1,066/mo
Today · 4.125%
HK$41,263
baseline
▲ 0.50% · 4.625%
HK$43,438
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,526/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,243
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,650
−HK$1,430/mo
Today · 4.125%
HK$48,080
baseline
▲ 0.50% · 4.625%
HK$51,006
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,160/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,333
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,682
−HK$1,370/mo
Today · 4.125%
HK$53,052
baseline
▲ 0.50% · 4.625%
HK$55,848
+HK$2,796/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,104/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,360 · Scale 2, in force from 26 Feb 2026)