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$25,029
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,807
−HK$791/mo
Today · 4.125%
HK$26,598
baseline
▲ 0.50% · 4.625%
HK$28,216
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,196/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,844
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,591
−HK$757/mo
Today · 4.125%
HK$29,348
baseline
▲ 0.50% · 4.625%
HK$30,895
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,696/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,034
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,968
−HK$950/mo
Today · 4.125%
HK$31,918
baseline
▲ 0.50% · 4.625%
HK$33,860
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,836/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,413
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,309
−HK$909/mo
Today · 4.125%
HK$35,218
baseline
▲ 0.50% · 4.625%
HK$37,074
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,436/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,040
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,130
−HK$1,107/mo
Today · 4.125%
HK$37,237
baseline
▲ 0.50% · 4.625%
HK$39,503
+HK$2,266/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,474/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,982
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,027
−HK$1,061/mo
Today · 4.125%
HK$41,088
baseline
▲ 0.50% · 4.625%
HK$43,253
+HK$2,165/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,176/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,051
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,453
−HK$1,423/mo
Today · 4.125%
HK$47,876
baseline
▲ 0.50% · 4.625%
HK$50,790
+HK$2,914/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,752/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,119
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,463
−HK$1,364/mo
Today · 4.125%
HK$52,827
baseline
▲ 0.50% · 4.625%
HK$55,611
+HK$2,784/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,654/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,607 · Scale 2, in force from 26 Feb 2026)