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$25,108
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,889
−HK$793/mo
Today · 4.125%
HK$26,682
baseline
▲ 0.50% · 4.625%
HK$28,306
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,364/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,932
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,681
−HK$760/mo
Today · 4.125%
HK$29,441
baseline
▲ 0.50% · 4.625%
HK$30,993
+HK$1,552/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,882/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,129
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,067
−HK$952/mo
Today · 4.125%
HK$32,019
baseline
▲ 0.50% · 4.625%
HK$33,967
+HK$1,948/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$64,038/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,519
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,418
−HK$912/mo
Today · 4.125%
HK$35,330
baseline
▲ 0.50% · 4.625%
HK$37,192
+HK$1,862/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$70,660/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,151
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,244
−HK$1,111/mo
Today · 4.125%
HK$37,355
baseline
▲ 0.50% · 4.625%
HK$39,628
+HK$2,273/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,710/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,105
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,154
−HK$1,064/mo
Today · 4.125%
HK$41,218
baseline
▲ 0.50% · 4.625%
HK$43,390
+HK$2,172/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,436/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,194
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,600
−HK$1,428/mo
Today · 4.125%
HK$48,028
baseline
▲ 0.50% · 4.625%
HK$50,950
+HK$2,922/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,056/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,278
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,626
−HK$1,368/mo
Today · 4.125%
HK$52,994
baseline
▲ 0.50% · 4.625%
HK$55,788
+HK$2,794/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$105,988/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,911 · Scale 2, in force from 26 Feb 2026)