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$25,130
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,911
−HK$794/mo
Today · 4.125%
HK$26,705
baseline
▲ 0.50% · 4.625%
HK$28,330
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,410/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,956
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,706
−HK$761/mo
Today · 4.125%
HK$29,467
baseline
▲ 0.50% · 4.625%
HK$31,020
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,934/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,156
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,094
−HK$953/mo
Today · 4.125%
HK$32,047
baseline
▲ 0.50% · 4.625%
HK$33,996
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,094/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,548
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,447
−HK$913/mo
Today · 4.125%
HK$35,360
baseline
▲ 0.50% · 4.625%
HK$37,224
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,720/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,181
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,276
−HK$1,112/mo
Today · 4.125%
HK$37,388
baseline
▲ 0.50% · 4.625%
HK$39,663
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$74,776/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,139
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,189
−HK$1,065/mo
Today · 4.125%
HK$41,254
baseline
▲ 0.50% · 4.625%
HK$43,428
+HK$2,174/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$82,508/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,233
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,640
−HK$1,430/mo
Today · 4.125%
HK$48,070
baseline
▲ 0.50% · 4.625%
HK$50,995
+HK$2,925/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,140/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,322
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,671
−HK$1,369/mo
Today · 4.125%
HK$53,040
baseline
▲ 0.50% · 4.625%
HK$55,836
+HK$2,796/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,080/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,270 · Scale 2, in force from 26 Feb 2026)