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$25,054
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,834
−HK$792/mo
Today · 4.125%
HK$26,626
baseline
▲ 0.50% · 4.625%
HK$28,246
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,252/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,873
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,620
−HK$759/mo
Today · 4.125%
HK$29,379
baseline
▲ 0.50% · 4.625%
HK$30,927
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,758/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,065
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,001
−HK$950/mo
Today · 4.125%
HK$31,951
baseline
▲ 0.50% · 4.625%
HK$33,895
+HK$1,944/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$63,902/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,447
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,344
−HK$910/mo
Today · 4.125%
HK$35,254
baseline
▲ 0.50% · 4.625%
HK$37,113
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$70,508/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,076
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,167
−HK$1,109/mo
Today · 4.125%
HK$37,276
baseline
▲ 0.50% · 4.625%
HK$39,544
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,552/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,022
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,069
−HK$1,061/mo
Today · 4.125%
HK$41,130
baseline
▲ 0.50% · 4.625%
HK$43,298
+HK$2,168/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,260/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,098
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,501
−HK$1,425/mo
Today · 4.125%
HK$47,926
baseline
▲ 0.50% · 4.625%
HK$50,842
+HK$2,916/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,852/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,171
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,517
−HK$1,365/mo
Today · 4.125%
HK$52,882
baseline
▲ 0.50% · 4.625%
HK$55,669
+HK$2,787/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,764/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,034 · Scale 2, in force from 26 Feb 2026)