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$25,133
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,915
−HK$794/mo
Today · 4.125%
HK$26,709
baseline
▲ 0.50% · 4.625%
HK$28,335
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,418/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,961
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,710
−HK$761/mo
Today · 4.125%
HK$29,471
baseline
▲ 0.50% · 4.625%
HK$31,025
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,942/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,160
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,098
−HK$953/mo
Today · 4.125%
HK$32,051
baseline
▲ 0.50% · 4.625%
HK$34,002
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,102/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,553
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,453
−HK$912/mo
Today · 4.125%
HK$35,365
baseline
▲ 0.50% · 4.625%
HK$37,230
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,730/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,187
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,281
−HK$1,112/mo
Today · 4.125%
HK$37,393
baseline
▲ 0.50% · 4.625%
HK$39,668
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,786/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,145
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,195
−HK$1,065/mo
Today · 4.125%
HK$41,260
baseline
▲ 0.50% · 4.625%
HK$43,435
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,520/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,240
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,647
−HK$1,430/mo
Today · 4.125%
HK$48,077
baseline
▲ 0.50% · 4.625%
HK$51,002
+HK$2,925/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,154/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,329
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,679
−HK$1,369/mo
Today · 4.125%
HK$53,048
baseline
▲ 0.50% · 4.625%
HK$55,844
+HK$2,796/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,096/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,331 · Scale 2, in force from 26 Feb 2026)