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$25,047
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,826
−HK$791/mo
Today · 4.125%
HK$26,617
baseline
▲ 0.50% · 4.625%
HK$28,237
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,234/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,864
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,612
−HK$758/mo
Today · 4.125%
HK$29,370
baseline
▲ 0.50% · 4.625%
HK$30,918
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,740/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,056
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,991
−HK$950/mo
Today · 4.125%
HK$31,941
baseline
▲ 0.50% · 4.625%
HK$33,884
+HK$1,943/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,882/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,437
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,334
−HK$910/mo
Today · 4.125%
HK$35,244
baseline
▲ 0.50% · 4.625%
HK$37,101
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,488/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,065
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,156
−HK$1,108/mo
Today · 4.125%
HK$37,264
baseline
▲ 0.50% · 4.625%
HK$39,532
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,528/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,010
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,056
−HK$1,062/mo
Today · 4.125%
HK$41,118
baseline
▲ 0.50% · 4.625%
HK$43,285
+HK$2,167/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,236/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,084
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,487
−HK$1,424/mo
Today · 4.125%
HK$47,911
baseline
▲ 0.50% · 4.625%
HK$50,827
+HK$2,916/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,822/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,156
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,501
−HK$1,364/mo
Today · 4.125%
HK$52,865
baseline
▲ 0.50% · 4.625%
HK$55,652
+HK$2,787/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,730/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,908 · Scale 2, in force from 26 Feb 2026)