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$25,057
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,837
−HK$792/mo
Today · 4.125%
HK$26,629
baseline
▲ 0.50% · 4.625%
HK$28,249
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,258/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,876
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,624
−HK$758/mo
Today · 4.125%
HK$29,382
baseline
▲ 0.50% · 4.625%
HK$30,931
+HK$1,549/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,764/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,069
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,004
−HK$950/mo
Today · 4.125%
HK$31,954
baseline
▲ 0.50% · 4.625%
HK$33,899
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$63,908/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,451
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,348
−HK$910/mo
Today · 4.125%
HK$35,258
baseline
▲ 0.50% · 4.625%
HK$37,117
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$70,516/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,080
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,171
−HK$1,109/mo
Today · 4.125%
HK$37,280
baseline
▲ 0.50% · 4.625%
HK$39,548
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,560/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,026
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,073
−HK$1,062/mo
Today · 4.125%
HK$41,135
baseline
▲ 0.50% · 4.625%
HK$43,303
+HK$2,168/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,270/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,103
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,506
−HK$1,425/mo
Today · 4.125%
HK$47,931
baseline
▲ 0.50% · 4.625%
HK$50,848
+HK$2,917/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,862/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,177
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,522
−HK$1,366/mo
Today · 4.125%
HK$52,888
baseline
▲ 0.50% · 4.625%
HK$55,675
+HK$2,787/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,776/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,080 · Scale 2, in force from 26 Feb 2026)