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$25,128
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,910
−HK$794/mo
Today · 4.125%
HK$26,704
baseline
▲ 0.50% · 4.625%
HK$28,329
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,408/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,955
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,705
−HK$761/mo
Today · 4.125%
HK$29,466
baseline
▲ 0.50% · 4.625%
HK$31,019
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,932/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,154
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,092
−HK$953/mo
Today · 4.125%
HK$32,045
baseline
▲ 0.50% · 4.625%
HK$33,995
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,090/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,546
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,446
−HK$913/mo
Today · 4.125%
HK$35,359
baseline
▲ 0.50% · 4.625%
HK$37,222
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,718/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,180
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,274
−HK$1,112/mo
Today · 4.125%
HK$37,386
baseline
▲ 0.50% · 4.625%
HK$39,661
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$74,772/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,137
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,187
−HK$1,065/mo
Today · 4.125%
HK$41,252
baseline
▲ 0.50% · 4.625%
HK$43,426
+HK$2,174/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$82,504/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,231
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,638
−HK$1,430/mo
Today · 4.125%
HK$48,068
baseline
▲ 0.50% · 4.625%
HK$50,992
+HK$2,924/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,136/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,319
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,669
−HK$1,369/mo
Today · 4.125%
HK$53,038
baseline
▲ 0.50% · 4.625%
HK$55,834
+HK$2,796/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,076/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,251 · Scale 2, in force from 26 Feb 2026)