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$25,120
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,902
−HK$794/mo
Today · 4.125%
HK$26,696
baseline
▲ 0.50% · 4.625%
HK$28,320
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,392/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,946
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,696
−HK$760/mo
Today · 4.125%
HK$29,456
baseline
▲ 0.50% · 4.625%
HK$31,009
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,912/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,145
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,082
−HK$953/mo
Today · 4.125%
HK$32,035
baseline
▲ 0.50% · 4.625%
HK$33,984
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,070/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,536
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,435
−HK$912/mo
Today · 4.125%
HK$35,347
baseline
▲ 0.50% · 4.625%
HK$37,211
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,694/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,169
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,263
−HK$1,111/mo
Today · 4.125%
HK$37,374
baseline
▲ 0.50% · 4.625%
HK$39,648
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,748/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,125
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,174
−HK$1,065/mo
Today · 4.125%
HK$41,239
baseline
▲ 0.50% · 4.625%
HK$43,412
+HK$2,173/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,478/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,217
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,623
−HK$1,429/mo
Today · 4.125%
HK$48,052
baseline
▲ 0.50% · 4.625%
HK$50,976
+HK$2,924/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,104/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,303
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,652
−HK$1,369/mo
Today · 4.125%
HK$53,021
baseline
▲ 0.50% · 4.625%
HK$55,816
+HK$2,795/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,042/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,120 · Scale 2, in force from 26 Feb 2026)