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$25,107
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,888
−HK$794/mo
Today · 4.125%
HK$26,682
baseline
▲ 0.50% · 4.625%
HK$28,305
+HK$1,623/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,364/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,932
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,681
−HK$760/mo
Today · 4.125%
HK$29,441
baseline
▲ 0.50% · 4.625%
HK$30,992
+HK$1,551/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,882/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,129
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,066
−HK$952/mo
Today · 4.125%
HK$32,018
baseline
▲ 0.50% · 4.625%
HK$33,966
+HK$1,948/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$64,036/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,518
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,417
−HK$912/mo
Today · 4.125%
HK$35,329
baseline
▲ 0.50% · 4.625%
HK$37,191
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$70,658/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,150
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,243
−HK$1,111/mo
Today · 4.125%
HK$37,354
baseline
▲ 0.50% · 4.625%
HK$39,627
+HK$2,273/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,708/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,104
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,153
−HK$1,064/mo
Today · 4.125%
HK$41,217
baseline
▲ 0.50% · 4.625%
HK$43,389
+HK$2,172/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,434/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,193
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,599
−HK$1,428/mo
Today · 4.125%
HK$48,027
baseline
▲ 0.50% · 4.625%
HK$50,949
+HK$2,922/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,054/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,277
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,625
−HK$1,368/mo
Today · 4.125%
HK$52,993
baseline
▲ 0.50% · 4.625%
HK$55,786
+HK$2,793/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,986/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,901 · Scale 2, in force from 26 Feb 2026)