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$25,129
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,911
−HK$794/mo
Today · 4.125%
HK$26,705
baseline
▲ 0.50% · 4.625%
HK$28,330
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,410/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,956
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,705
−HK$761/mo
Today · 4.125%
HK$29,466
baseline
▲ 0.50% · 4.625%
HK$31,019
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,932/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,155
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,093
−HK$953/mo
Today · 4.125%
HK$32,046
baseline
▲ 0.50% · 4.625%
HK$33,996
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,092/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,547
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,447
−HK$912/mo
Today · 4.125%
HK$35,359
baseline
▲ 0.50% · 4.625%
HK$37,223
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,718/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,180
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,275
−HK$1,112/mo
Today · 4.125%
HK$37,387
baseline
▲ 0.50% · 4.625%
HK$39,661
+HK$2,274/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$74,774/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,138
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,188
−HK$1,064/mo
Today · 4.125%
HK$41,252
baseline
▲ 0.50% · 4.625%
HK$43,427
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$82,504/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,232
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,639
−HK$1,429/mo
Today · 4.125%
HK$48,068
baseline
▲ 0.50% · 4.625%
HK$50,993
+HK$2,925/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,136/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,320
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,670
−HK$1,369/mo
Today · 4.125%
HK$53,039
baseline
▲ 0.50% · 4.625%
HK$55,835
+HK$2,796/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,078/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,259 · Scale 2, in force from 26 Feb 2026)