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$25,040
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,819
−HK$792/mo
Today · 4.125%
HK$26,611
baseline
▲ 0.50% · 4.625%
HK$28,230
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,222/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,857
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,604
−HK$758/mo
Today · 4.125%
HK$29,362
baseline
▲ 0.50% · 4.625%
HK$30,910
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,724/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,048
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,983
−HK$950/mo
Today · 4.125%
HK$31,933
baseline
▲ 0.50% · 4.625%
HK$33,876
+HK$1,943/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,866/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,429
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,325
−HK$910/mo
Today · 4.125%
HK$35,235
baseline
▲ 0.50% · 4.625%
HK$37,092
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,470/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,057
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,147
−HK$1,108/mo
Today · 4.125%
HK$37,255
baseline
▲ 0.50% · 4.625%
HK$39,522
+HK$2,267/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,510/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,000
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,046
−HK$1,061/mo
Today · 4.125%
HK$41,107
baseline
▲ 0.50% · 4.625%
HK$43,274
+HK$2,167/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,214/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,073
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,475
−HK$1,424/mo
Today · 4.125%
HK$47,899
baseline
▲ 0.50% · 4.625%
HK$50,814
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,798/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,143
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,488
−HK$1,364/mo
Today · 4.125%
HK$52,852
baseline
▲ 0.50% · 4.625%
HK$55,638
+HK$2,786/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,704/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,803 · Scale 2, in force from 26 Feb 2026)