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$25,150
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,932
−HK$795/mo
Today · 4.125%
HK$26,727
baseline
▲ 0.50% · 4.625%
HK$28,354
+HK$1,627/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$413,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,979
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,730
−HK$761/mo
Today · 4.125%
HK$29,491
baseline
▲ 0.50% · 4.625%
HK$31,045
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,982/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,180
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,119
−HK$954/mo
Today · 4.125%
HK$32,073
baseline
▲ 0.50% · 4.625%
HK$34,024
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,146/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,575
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,476
−HK$913/mo
Today · 4.125%
HK$35,389
baseline
▲ 0.50% · 4.625%
HK$37,254
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,778/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,210
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,305
−HK$1,113/mo
Today · 4.125%
HK$37,418
baseline
▲ 0.50% · 4.625%
HK$39,695
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,836/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,171
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,221
−HK$1,066/mo
Today · 4.125%
HK$41,287
baseline
▲ 0.50% · 4.625%
HK$43,464
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,574/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,270
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,678
−HK$1,431/mo
Today · 4.125%
HK$48,109
baseline
▲ 0.50% · 4.625%
HK$51,036
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,218/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,363
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,713
−HK$1,371/mo
Today · 4.125%
HK$53,084
baseline
▲ 0.50% · 4.625%
HK$55,882
+HK$2,798/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,168/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,607 · Scale 2, in force from 26 Feb 2026)