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$25,114
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,895
−HK$794/mo
Today · 4.125%
HK$26,689
baseline
▲ 0.50% · 4.625%
HK$28,313
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,378/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,939
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,688
−HK$760/mo
Today · 4.125%
HK$29,448
baseline
▲ 0.50% · 4.625%
HK$31,001
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,896/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,137
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,074
−HK$952/mo
Today · 4.125%
HK$32,026
baseline
▲ 0.50% · 4.625%
HK$33,975
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,052/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,527
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,426
−HK$912/mo
Today · 4.125%
HK$35,338
baseline
▲ 0.50% · 4.625%
HK$37,201
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,676/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,159
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,253
−HK$1,111/mo
Today · 4.125%
HK$37,364
baseline
▲ 0.50% · 4.625%
HK$39,638
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,728/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,114
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,163
−HK$1,065/mo
Today · 4.125%
HK$41,228
baseline
▲ 0.50% · 4.625%
HK$43,401
+HK$2,173/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,456/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,205
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,611
−HK$1,429/mo
Today · 4.125%
HK$48,040
baseline
▲ 0.50% · 4.625%
HK$50,963
+HK$2,923/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,080/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,290
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,639
−HK$1,368/mo
Today · 4.125%
HK$53,007
baseline
▲ 0.50% · 4.625%
HK$55,801
+HK$2,794/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,014/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,009 · Scale 2, in force from 26 Feb 2026)