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$25,137
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,919
−HK$794/mo
Today · 4.125%
HK$26,713
baseline
▲ 0.50% · 4.625%
HK$28,338
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,426/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,964
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,714
−HK$761/mo
Today · 4.125%
HK$29,475
baseline
▲ 0.50% · 4.625%
HK$31,029
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,950/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,164
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,102
−HK$954/mo
Today · 4.125%
HK$32,056
baseline
▲ 0.50% · 4.625%
HK$34,006
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,112/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,557
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,457
−HK$913/mo
Today · 4.125%
HK$35,370
baseline
▲ 0.50% · 4.625%
HK$37,235
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,740/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,191
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,286
−HK$1,112/mo
Today · 4.125%
HK$37,398
baseline
▲ 0.50% · 4.625%
HK$39,674
+HK$2,276/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,796/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,150
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,200
−HK$1,065/mo
Today · 4.125%
HK$41,265
baseline
▲ 0.50% · 4.625%
HK$43,440
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,530/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,246
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,654
−HK$1,429/mo
Today · 4.125%
HK$48,083
baseline
▲ 0.50% · 4.625%
HK$51,009
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,166/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,336
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,686
−HK$1,369/mo
Today · 4.125%
HK$53,055
baseline
▲ 0.50% · 4.625%
HK$55,852
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,110/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,387 · Scale 2, in force from 26 Feb 2026)