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$25,119
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,900
−HK$794/mo
Today · 4.125%
HK$26,694
baseline
▲ 0.50% · 4.625%
HK$28,318
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,388/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,944
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,694
−HK$760/mo
Today · 4.125%
HK$29,454
baseline
▲ 0.50% · 4.625%
HK$31,006
+HK$1,552/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,908/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,142
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,080
−HK$952/mo
Today · 4.125%
HK$32,032
baseline
▲ 0.50% · 4.625%
HK$33,982
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,064/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,533
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,432
−HK$913/mo
Today · 4.125%
HK$35,345
baseline
▲ 0.50% · 4.625%
HK$37,208
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,690/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,166
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,260
−HK$1,111/mo
Today · 4.125%
HK$37,371
baseline
▲ 0.50% · 4.625%
HK$39,645
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,742/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,122
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,171
−HK$1,064/mo
Today · 4.125%
HK$41,235
baseline
▲ 0.50% · 4.625%
HK$43,409
+HK$2,174/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,470/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,213
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,620
−HK$1,429/mo
Today · 4.125%
HK$48,049
baseline
▲ 0.50% · 4.625%
HK$50,972
+HK$2,923/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,098/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,299
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,648
−HK$1,369/mo
Today · 4.125%
HK$53,017
baseline
▲ 0.50% · 4.625%
HK$55,812
+HK$2,795/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,034/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,088 · Scale 2, in force from 26 Feb 2026)