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$25,135
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,916
−HK$795/mo
Today · 4.125%
HK$26,711
baseline
▲ 0.50% · 4.625%
HK$28,336
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,422/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,962
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,712
−HK$761/mo
Today · 4.125%
HK$29,473
baseline
▲ 0.50% · 4.625%
HK$31,026
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,946/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,161
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,100
−HK$953/mo
Today · 4.125%
HK$32,053
baseline
▲ 0.50% · 4.625%
HK$34,003
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,106/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,554
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,454
−HK$913/mo
Today · 4.125%
HK$35,367
baseline
▲ 0.50% · 4.625%
HK$37,231
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,734/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,188
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,283
−HK$1,112/mo
Today · 4.125%
HK$37,395
baseline
▲ 0.50% · 4.625%
HK$39,670
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,790/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,147
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,197
−HK$1,065/mo
Today · 4.125%
HK$41,262
baseline
▲ 0.50% · 4.625%
HK$43,437
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,524/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,242
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,649
−HK$1,430/mo
Today · 4.125%
HK$48,079
baseline
▲ 0.50% · 4.625%
HK$51,005
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,158/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,331
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,681
−HK$1,370/mo
Today · 4.125%
HK$53,051
baseline
▲ 0.50% · 4.625%
HK$55,847
+HK$2,796/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,102/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,350 · Scale 2, in force from 26 Feb 2026)