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$25,127
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,908
−HK$795/mo
Today · 4.125%
HK$26,703
baseline
▲ 0.50% · 4.625%
HK$28,327
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,406/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,953
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,703
−HK$761/mo
Today · 4.125%
HK$29,464
baseline
▲ 0.50% · 4.625%
HK$31,017
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,928/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,152
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,090
−HK$953/mo
Today · 4.125%
HK$32,043
baseline
▲ 0.50% · 4.625%
HK$33,993
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,086/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,544
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,444
−HK$912/mo
Today · 4.125%
HK$35,356
baseline
▲ 0.50% · 4.625%
HK$37,220
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,712/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,178
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,272
−HK$1,112/mo
Today · 4.125%
HK$37,384
baseline
▲ 0.50% · 4.625%
HK$39,658
+HK$2,274/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$74,768/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,135
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,184
−HK$1,065/mo
Today · 4.125%
HK$41,249
baseline
▲ 0.50% · 4.625%
HK$43,423
+HK$2,174/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$82,498/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,228
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,635
−HK$1,430/mo
Today · 4.125%
HK$48,065
baseline
▲ 0.50% · 4.625%
HK$50,989
+HK$2,924/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,130/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,316
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,666
−HK$1,369/mo
Today · 4.125%
HK$53,035
baseline
▲ 0.50% · 4.625%
HK$55,830
+HK$2,795/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,070/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,225 · Scale 2, in force from 26 Feb 2026)