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$25,111
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,892
−HK$794/mo
Today · 4.125%
HK$26,686
baseline
▲ 0.50% · 4.625%
HK$28,310
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,372/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,936
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,685
−HK$760/mo
Today · 4.125%
HK$29,445
baseline
▲ 0.50% · 4.625%
HK$30,997
+HK$1,552/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,890/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,134
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,071
−HK$952/mo
Today · 4.125%
HK$32,023
baseline
▲ 0.50% · 4.625%
HK$33,972
+HK$1,949/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$64,046/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,523
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,422
−HK$912/mo
Today · 4.125%
HK$35,334
baseline
▲ 0.50% · 4.625%
HK$37,197
+HK$1,863/mo
Deposit HK$4.40M · loan HK$6.61M · min. income ≈ HK$70,668/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,156
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,249
−HK$1,111/mo
Today · 4.125%
HK$37,360
baseline
▲ 0.50% · 4.625%
HK$39,634
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,720/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,110
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,159
−HK$1,064/mo
Today · 4.125%
HK$41,223
baseline
▲ 0.50% · 4.625%
HK$43,396
+HK$2,173/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,446/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,200
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,606
−HK$1,429/mo
Today · 4.125%
HK$48,035
baseline
▲ 0.50% · 4.625%
HK$50,958
+HK$2,923/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,070/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,285
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,634
−HK$1,368/mo
Today · 4.125%
HK$53,002
baseline
▲ 0.50% · 4.625%
HK$55,795
+HK$2,793/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,004/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,969 · Scale 2, in force from 26 Feb 2026)