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$25,116
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,897
−HK$794/mo
Today · 4.125%
HK$26,691
baseline
▲ 0.50% · 4.625%
HK$28,315
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,382/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,941
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,691
−HK$760/mo
Today · 4.125%
HK$29,451
baseline
▲ 0.50% · 4.625%
HK$31,003
+HK$1,552/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,902/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,139
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,077
−HK$952/mo
Today · 4.125%
HK$32,029
baseline
▲ 0.50% · 4.625%
HK$33,978
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,058/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,530
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,429
−HK$912/mo
Today · 4.125%
HK$35,341
baseline
▲ 0.50% · 4.625%
HK$37,204
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,682/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,162
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,256
−HK$1,111/mo
Today · 4.125%
HK$37,367
baseline
▲ 0.50% · 4.625%
HK$39,641
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,734/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,118
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,167
−HK$1,064/mo
Today · 4.125%
HK$41,231
baseline
▲ 0.50% · 4.625%
HK$43,405
+HK$2,174/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,462/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,209
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,615
−HK$1,429/mo
Today · 4.125%
HK$48,044
baseline
▲ 0.50% · 4.625%
HK$50,967
+HK$2,923/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,088/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,294
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,643
−HK$1,369/mo
Today · 4.125%
HK$53,012
baseline
▲ 0.50% · 4.625%
HK$55,806
+HK$2,794/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,024/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,046 · Scale 2, in force from 26 Feb 2026)