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$25,013
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,791
−HK$791/mo
Today · 4.125%
HK$26,582
baseline
▲ 0.50% · 4.625%
HK$28,199
+HK$1,617/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,164/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,827
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,573
−HK$758/mo
Today · 4.125%
HK$29,331
baseline
▲ 0.50% · 4.625%
HK$30,877
+HK$1,546/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,662/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,016
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,950
−HK$948/mo
Today · 4.125%
HK$31,898
baseline
▲ 0.50% · 4.625%
HK$33,839
+HK$1,941/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,796/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,393
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,288
−HK$909/mo
Today · 4.125%
HK$35,197
baseline
▲ 0.50% · 4.625%
HK$37,052
+HK$1,855/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,394/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,019
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,108
−HK$1,107/mo
Today · 4.125%
HK$37,215
baseline
▲ 0.50% · 4.625%
HK$39,479
+HK$2,264/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,430/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,958
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,003
−HK$1,060/mo
Today · 4.125%
HK$41,063
baseline
▲ 0.50% · 4.625%
HK$43,227
+HK$2,164/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,126/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,024
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,425
−HK$1,422/mo
Today · 4.125%
HK$47,847
baseline
▲ 0.50% · 4.625%
HK$50,759
+HK$2,912/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,694/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,089
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,432
−HK$1,363/mo
Today · 4.125%
HK$52,795
baseline
▲ 0.50% · 4.625%
HK$55,578
+HK$2,783/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,590/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,358 · Scale 2, in force from 26 Feb 2026)