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$25,139
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,921
−HK$794/mo
Today · 4.125%
HK$26,715
baseline
▲ 0.50% · 4.625%
HK$28,341
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,430/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,966
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,716
−HK$761/mo
Today · 4.125%
HK$29,477
baseline
▲ 0.50% · 4.625%
HK$31,031
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,954/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,166
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,105
−HK$953/mo
Today · 4.125%
HK$32,058
baseline
▲ 0.50% · 4.625%
HK$34,009
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,116/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,560
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,460
−HK$913/mo
Today · 4.125%
HK$35,373
baseline
▲ 0.50% · 4.625%
HK$37,237
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,746/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,194
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,289
−HK$1,112/mo
Today · 4.125%
HK$37,401
baseline
▲ 0.50% · 4.625%
HK$39,677
+HK$2,276/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,802/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,153
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,203
−HK$1,065/mo
Today · 4.125%
HK$41,268
baseline
▲ 0.50% · 4.625%
HK$43,444
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,536/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,249
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,657
−HK$1,430/mo
Today · 4.125%
HK$48,087
baseline
▲ 0.50% · 4.625%
HK$51,013
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,174/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,340
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,690
−HK$1,369/mo
Today · 4.125%
HK$53,059
baseline
▲ 0.50% · 4.625%
HK$55,856
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,118/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,417 · Scale 2, in force from 26 Feb 2026)