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$1,576/mo
▼ 0.25% · 3.875%
HK$25,919
−HK$795/mo
Today · 4.125%
HK$26,714
baseline
▲ 0.50% · 4.625%
HK$28,339
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,428/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,965
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,715
−HK$761/mo
Today · 4.125%
HK$29,476
baseline
▲ 0.50% · 4.625%
HK$31,030
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,952/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,165
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,103
−HK$954/mo
Today · 4.125%
HK$32,057
baseline
▲ 0.50% · 4.625%
HK$34,007
+HK$1,950/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$413,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,558
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,458
−HK$913/mo
Today · 4.125%
HK$35,371
baseline
▲ 0.50% · 4.625%
HK$37,236
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,742/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,193
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,287
−HK$1,112/mo
Today · 4.125%
HK$37,399
baseline
▲ 0.50% · 4.625%
HK$39,675
+HK$2,276/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,798/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,151
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,201
−HK$1,066/mo
Today · 4.125%
HK$41,267
baseline
▲ 0.50% · 4.625%
HK$43,442
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,534/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,248
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,655
−HK$1,430/mo
Today · 4.125%
HK$48,085
baseline
▲ 0.50% · 4.625%
HK$51,011
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,170/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,337
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,688
−HK$1,369/mo
Today · 4.125%
HK$53,057
baseline
▲ 0.50% · 4.625%
HK$55,854
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,114/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,400 · Scale 2, in force from 26 Feb 2026)