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$25,035
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,813
−HK$792/mo
Today · 4.125%
HK$26,605
baseline
▲ 0.50% · 4.625%
HK$28,223
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,210/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,851
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,598
−HK$758/mo
Today · 4.125%
HK$29,356
baseline
▲ 0.50% · 4.625%
HK$30,903
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,712/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,042
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,976
−HK$949/mo
Today · 4.125%
HK$31,925
baseline
▲ 0.50% · 4.625%
HK$33,868
+HK$1,943/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,850/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,421
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,317
−HK$910/mo
Today · 4.125%
HK$35,227
baseline
▲ 0.50% · 4.625%
HK$37,083
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,454/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,049
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,139
−HK$1,107/mo
Today · 4.125%
HK$37,246
baseline
▲ 0.50% · 4.625%
HK$39,513
+HK$2,267/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,492/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,991
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,037
−HK$1,061/mo
Today · 4.125%
HK$41,098
baseline
▲ 0.50% · 4.625%
HK$43,264
+HK$2,166/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,196/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,062
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,464
−HK$1,424/mo
Today · 4.125%
HK$47,888
baseline
▲ 0.50% · 4.625%
HK$50,802
+HK$2,914/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,776/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,131
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,476
−HK$1,364/mo
Today · 4.125%
HK$52,840
baseline
▲ 0.50% · 4.625%
HK$55,625
+HK$2,785/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,680/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,709 · Scale 2, in force from 26 Feb 2026)