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$25,019
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,797
−HK$791/mo
Today · 4.125%
HK$26,588
baseline
▲ 0.50% · 4.625%
HK$28,206
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,176/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,833
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,580
−HK$757/mo
Today · 4.125%
HK$29,337
baseline
▲ 0.50% · 4.625%
HK$30,884
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,674/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,023
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,957
−HK$949/mo
Today · 4.125%
HK$31,906
baseline
▲ 0.50% · 4.625%
HK$33,847
+HK$1,941/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,812/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,400
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,296
−HK$909/mo
Today · 4.125%
HK$35,205
baseline
▲ 0.50% · 4.625%
HK$37,060
+HK$1,855/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,410/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,027
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,116
−HK$1,107/mo
Today · 4.125%
HK$37,223
baseline
▲ 0.50% · 4.625%
HK$39,488
+HK$2,265/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,446/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,967
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,012
−HK$1,060/mo
Today · 4.125%
HK$41,072
baseline
▲ 0.50% · 4.625%
HK$43,237
+HK$2,165/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,144/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,034
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,435
−HK$1,423/mo
Today · 4.125%
HK$47,858
baseline
▲ 0.50% · 4.625%
HK$50,770
+HK$2,912/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,716/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,100
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,444
−HK$1,363/mo
Today · 4.125%
HK$52,807
baseline
▲ 0.50% · 4.625%
HK$55,590
+HK$2,783/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,614/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,451 · Scale 2, in force from 26 Feb 2026)