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$25,145
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,927
−HK$795/mo
Today · 4.125%
HK$26,722
baseline
▲ 0.50% · 4.625%
HK$28,348
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,444/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,973
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,724
−HK$761/mo
Today · 4.125%
HK$29,485
baseline
▲ 0.50% · 4.625%
HK$31,039
+HK$1,554/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,970/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,174
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,113
−HK$953/mo
Today · 4.125%
HK$32,066
baseline
▲ 0.50% · 4.625%
HK$34,017
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,132/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,568
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,468
−HK$914/mo
Today · 4.125%
HK$35,382
baseline
▲ 0.50% · 4.625%
HK$37,247
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,764/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,203
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,298
−HK$1,112/mo
Today · 4.125%
HK$37,410
baseline
▲ 0.50% · 4.625%
HK$39,687
+HK$2,277/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,820/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,163
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,213
−HK$1,066/mo
Today · 4.125%
HK$41,279
baseline
▲ 0.50% · 4.625%
HK$43,455
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,558/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,261
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,669
−HK$1,430/mo
Today · 4.125%
HK$48,099
baseline
▲ 0.50% · 4.625%
HK$51,026
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,198/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,352
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,703
−HK$1,370/mo
Today · 4.125%
HK$53,073
baseline
▲ 0.50% · 4.625%
HK$55,870
+HK$2,797/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,146/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,522 · Scale 2, in force from 26 Feb 2026)