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$25,125
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,906
−HK$794/mo
Today · 4.125%
HK$26,700
baseline
▲ 0.50% · 4.625%
HK$28,325
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,400/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,951
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,700
−HK$761/mo
Today · 4.125%
HK$29,461
baseline
▲ 0.50% · 4.625%
HK$31,014
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,922/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,149
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,087
−HK$953/mo
Today · 4.125%
HK$32,040
baseline
▲ 0.50% · 4.625%
HK$33,990
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,080/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,541
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,441
−HK$912/mo
Today · 4.125%
HK$35,353
baseline
▲ 0.50% · 4.625%
HK$37,217
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,706/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,174
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,268
−HK$1,112/mo
Today · 4.125%
HK$37,380
baseline
▲ 0.50% · 4.625%
HK$39,655
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$74,760/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,131
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,181
−HK$1,064/mo
Today · 4.125%
HK$41,245
baseline
▲ 0.50% · 4.625%
HK$43,419
+HK$2,174/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$82,490/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,224
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,631
−HK$1,429/mo
Today · 4.125%
HK$48,060
baseline
▲ 0.50% · 4.625%
HK$50,984
+HK$2,924/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,120/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,311
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,661
−HK$1,369/mo
Today · 4.125%
HK$53,030
baseline
▲ 0.50% · 4.625%
HK$55,825
+HK$2,795/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,060/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,187 · Scale 2, in force from 26 Feb 2026)