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$25,002
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,780
−HK$790/mo
Today · 4.125%
HK$26,570
baseline
▲ 0.50% · 4.625%
HK$28,186
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,140/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,814
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,560
−HK$757/mo
Today · 4.125%
HK$29,317
baseline
▲ 0.50% · 4.625%
HK$30,862
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,634/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,002
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,935
−HK$949/mo
Today · 4.125%
HK$31,884
baseline
▲ 0.50% · 4.625%
HK$33,824
+HK$1,940/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,768/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,377
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,272
−HK$908/mo
Today · 4.125%
HK$35,180
baseline
▲ 0.50% · 4.625%
HK$37,035
+HK$1,855/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,360/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,003
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,091
−HK$1,107/mo
Today · 4.125%
HK$37,198
baseline
▲ 0.50% · 4.625%
HK$39,461
+HK$2,263/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,396/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,940
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,984
−HK$1,060/mo
Today · 4.125%
HK$41,044
baseline
▲ 0.50% · 4.625%
HK$43,207
+HK$2,163/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,088/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,003
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,403
−HK$1,422/mo
Today · 4.125%
HK$47,825
baseline
▲ 0.50% · 4.625%
HK$50,735
+HK$2,910/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,650/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,066
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,408
−HK$1,363/mo
Today · 4.125%
HK$52,771
baseline
▲ 0.50% · 4.625%
HK$55,552
+HK$2,781/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,542/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,169 · Scale 2, in force from 26 Feb 2026)