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$25,140
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,922
−HK$795/mo
Today · 4.125%
HK$26,717
baseline
▲ 0.50% · 4.625%
HK$28,342
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,434/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,968
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,718
−HK$761/mo
Today · 4.125%
HK$29,479
baseline
▲ 0.50% · 4.625%
HK$31,033
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,958/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,168
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,106
−HK$954/mo
Today · 4.125%
HK$32,060
baseline
▲ 0.50% · 4.625%
HK$34,011
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,120/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,562
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,462
−HK$913/mo
Today · 4.125%
HK$35,375
baseline
▲ 0.50% · 4.625%
HK$37,240
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,750/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,196
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,291
−HK$1,112/mo
Today · 4.125%
HK$37,403
baseline
▲ 0.50% · 4.625%
HK$39,679
+HK$2,276/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,806/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,155
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,205
−HK$1,066/mo
Today · 4.125%
HK$41,271
baseline
▲ 0.50% · 4.625%
HK$43,446
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,542/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,252
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,660
−HK$1,430/mo
Today · 4.125%
HK$48,090
baseline
▲ 0.50% · 4.625%
HK$51,016
+HK$2,926/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,180/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,343
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,693
−HK$1,369/mo
Today · 4.125%
HK$53,062
baseline
▲ 0.50% · 4.625%
HK$55,859
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,124/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,442 · Scale 2, in force from 26 Feb 2026)