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$25,138
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,920
−HK$795/mo
Today · 4.125%
HK$26,715
baseline
▲ 0.50% · 4.625%
HK$28,340
+HK$1,625/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$413,410 · 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$413,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,166
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,104
−HK$953/mo
Today · 4.125%
HK$32,057
baseline
▲ 0.50% · 4.625%
HK$34,008
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,114/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,559
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,459
−HK$913/mo
Today · 4.125%
HK$35,372
baseline
▲ 0.50% · 4.625%
HK$37,237
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,744/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,193
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,288
−HK$1,112/mo
Today · 4.125%
HK$37,400
baseline
▲ 0.50% · 4.625%
HK$39,676
+HK$2,276/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,800/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,152
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,202
−HK$1,066/mo
Today · 4.125%
HK$41,268
baseline
▲ 0.50% · 4.625%
HK$43,443
+HK$2,175/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$413,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,249
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,656
−HK$1,430/mo
Today · 4.125%
HK$48,086
baseline
▲ 0.50% · 4.625%
HK$51,012
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,172/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,339
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,689
−HK$1,369/mo
Today · 4.125%
HK$53,058
baseline
▲ 0.50% · 4.625%
HK$55,855
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,116/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,410 · Scale 2, in force from 26 Feb 2026)