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$25,126
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,908
−HK$794/mo
Today · 4.125%
HK$26,702
baseline
▲ 0.50% · 4.625%
HK$28,326
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,404/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,952
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,702
−HK$761/mo
Today · 4.125%
HK$29,463
baseline
▲ 0.50% · 4.625%
HK$31,016
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,926/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,151
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,089
−HK$953/mo
Today · 4.125%
HK$32,042
baseline
▲ 0.50% · 4.625%
HK$33,992
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,084/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,543
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,443
−HK$912/mo
Today · 4.125%
HK$35,355
baseline
▲ 0.50% · 4.625%
HK$37,219
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,710/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,176
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,271
−HK$1,111/mo
Today · 4.125%
HK$37,382
baseline
▲ 0.50% · 4.625%
HK$39,657
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$74,764/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,133
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,183
−HK$1,065/mo
Today · 4.125%
HK$41,248
baseline
▲ 0.50% · 4.625%
HK$43,422
+HK$2,174/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$82,496/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,227
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,634
−HK$1,429/mo
Today · 4.125%
HK$48,063
baseline
▲ 0.50% · 4.625%
HK$50,987
+HK$2,924/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,126/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,314
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,664
−HK$1,369/mo
Today · 4.125%
HK$53,033
baseline
▲ 0.50% · 4.625%
HK$55,828
+HK$2,795/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,066/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,211 · Scale 2, in force from 26 Feb 2026)