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$25,142
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,924
−HK$795/mo
Today · 4.125%
HK$26,719
baseline
▲ 0.50% · 4.625%
HK$28,344
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,438/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,970
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,720
−HK$761/mo
Today · 4.125%
HK$29,481
baseline
▲ 0.50% · 4.625%
HK$31,035
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,962/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,170
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,109
−HK$953/mo
Today · 4.125%
HK$32,062
baseline
▲ 0.50% · 4.625%
HK$34,013
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,124/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,564
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,464
−HK$914/mo
Today · 4.125%
HK$35,378
baseline
▲ 0.50% · 4.625%
HK$37,242
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,756/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,199
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,294
−HK$1,112/mo
Today · 4.125%
HK$37,406
baseline
▲ 0.50% · 4.625%
HK$39,682
+HK$2,276/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,812/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,158
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,208
−HK$1,066/mo
Today · 4.125%
HK$41,274
baseline
▲ 0.50% · 4.625%
HK$43,449
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,548/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,255
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,663
−HK$1,430/mo
Today · 4.125%
HK$48,093
baseline
▲ 0.50% · 4.625%
HK$51,020
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,186/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,346
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,696
−HK$1,370/mo
Today · 4.125%
HK$53,066
baseline
▲ 0.50% · 4.625%
HK$55,863
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,132/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,472 · Scale 2, in force from 26 Feb 2026)