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$25,000
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,777
−HK$790/mo
Today · 4.125%
HK$26,567
baseline
▲ 0.50% · 4.625%
HK$28,184
+HK$1,617/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,134/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,812
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,558
−HK$757/mo
Today · 4.125%
HK$29,315
baseline
▲ 0.50% · 4.625%
HK$30,860
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,630/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,000
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,933
−HK$948/mo
Today · 4.125%
HK$31,881
baseline
▲ 0.50% · 4.625%
HK$33,821
+HK$1,940/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,762/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,374
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,269
−HK$908/mo
Today · 4.125%
HK$35,177
baseline
▲ 0.50% · 4.625%
HK$37,032
+HK$1,855/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,354/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,000
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,088
−HK$1,106/mo
Today · 4.125%
HK$37,194
baseline
▲ 0.50% · 4.625%
HK$39,458
+HK$2,264/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,388/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,937
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,981
−HK$1,059/mo
Today · 4.125%
HK$41,040
baseline
▲ 0.50% · 4.625%
HK$43,204
+HK$2,164/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,080/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,000
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,399
−HK$1,422/mo
Today · 4.125%
HK$47,821
baseline
▲ 0.50% · 4.625%
HK$50,731
+HK$2,910/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,642/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,062
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,404
−HK$1,362/mo
Today · 4.125%
HK$52,766
baseline
▲ 0.50% · 4.625%
HK$55,548
+HK$2,782/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,532/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,134 · Scale 2, in force from 26 Feb 2026)