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$25,134
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,916
−HK$794/mo
Today · 4.125%
HK$26,710
baseline
▲ 0.50% · 4.625%
HK$28,335
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,420/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,961
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,711
−HK$761/mo
Today · 4.125%
HK$29,472
baseline
▲ 0.50% · 4.625%
HK$31,025
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,944/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,161
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,099
−HK$953/mo
Today · 4.125%
HK$32,052
baseline
▲ 0.50% · 4.625%
HK$34,002
+HK$1,950/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,104/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,553
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,453
−HK$913/mo
Today · 4.125%
HK$35,366
baseline
▲ 0.50% · 4.625%
HK$37,230
+HK$1,864/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,732/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,187
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,282
−HK$1,112/mo
Today · 4.125%
HK$37,394
baseline
▲ 0.50% · 4.625%
HK$39,669
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,788/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,146
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,195
−HK$1,065/mo
Today · 4.125%
HK$41,260
baseline
▲ 0.50% · 4.625%
HK$43,435
+HK$2,175/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,520/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,241
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,648
−HK$1,430/mo
Today · 4.125%
HK$48,078
baseline
▲ 0.50% · 4.625%
HK$51,003
+HK$2,925/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,156/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,330
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,680
−HK$1,369/mo
Today · 4.125%
HK$53,049
baseline
▲ 0.50% · 4.625%
HK$55,845
+HK$2,796/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,098/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,339 · Scale 2, in force from 26 Feb 2026)