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$25,052
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,832
−HK$791/mo
Today · 4.125%
HK$26,623
baseline
▲ 0.50% · 4.625%
HK$28,243
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,246/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,871
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,618
−HK$758/mo
Today · 4.125%
HK$29,376
baseline
▲ 0.50% · 4.625%
HK$30,925
+HK$1,549/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,752/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,063
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,998
−HK$950/mo
Today · 4.125%
HK$31,948
baseline
▲ 0.50% · 4.625%
HK$33,892
+HK$1,944/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,896/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,445
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,342
−HK$910/mo
Today · 4.125%
HK$35,252
baseline
▲ 0.50% · 4.625%
HK$37,110
+HK$1,858/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,504/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,073
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,164
−HK$1,109/mo
Today · 4.125%
HK$37,273
baseline
▲ 0.50% · 4.625%
HK$39,541
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,546/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,019
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,065
−HK$1,062/mo
Today · 4.125%
HK$41,127
baseline
▲ 0.50% · 4.625%
HK$43,295
+HK$2,168/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,254/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,094
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,497
−HK$1,425/mo
Today · 4.125%
HK$47,922
baseline
▲ 0.50% · 4.625%
HK$50,838
+HK$2,916/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,844/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,167
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,513
−HK$1,365/mo
Today · 4.125%
HK$52,878
baseline
▲ 0.50% · 4.625%
HK$55,665
+HK$2,787/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,756/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,001 · Scale 2, in force from 26 Feb 2026)