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$25,144
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,926
−HK$795/mo
Today · 4.125%
HK$26,721
baseline
▲ 0.50% · 4.625%
HK$28,347
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,442/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,973
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,723
−HK$761/mo
Today · 4.125%
HK$29,484
baseline
▲ 0.50% · 4.625%
HK$31,038
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,968/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,173
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,112
−HK$953/mo
Today · 4.125%
HK$32,065
baseline
▲ 0.50% · 4.625%
HK$34,016
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,130/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,567
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,467
−HK$914/mo
Today · 4.125%
HK$35,381
baseline
▲ 0.50% · 4.625%
HK$37,246
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,762/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,202
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,297
−HK$1,112/mo
Today · 4.125%
HK$37,409
baseline
▲ 0.50% · 4.625%
HK$39,686
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,818/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,162
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,212
−HK$1,065/mo
Today · 4.125%
HK$41,277
baseline
▲ 0.50% · 4.625%
HK$43,453
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,554/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,260
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,667
−HK$1,431/mo
Today · 4.125%
HK$48,098
baseline
▲ 0.50% · 4.625%
HK$51,024
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,196/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,351
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,701
−HK$1,370/mo
Today · 4.125%
HK$53,071
baseline
▲ 0.50% · 4.625%
HK$55,868
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,142/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,509 · Scale 2, in force from 26 Feb 2026)