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$25,054
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,833
−HK$792/mo
Today · 4.125%
HK$26,625
baseline
▲ 0.50% · 4.625%
HK$28,245
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,250/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,872
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,620
−HK$758/mo
Today · 4.125%
HK$29,378
baseline
▲ 0.50% · 4.625%
HK$30,926
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,756/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,064
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,000
−HK$950/mo
Today · 4.125%
HK$31,950
baseline
▲ 0.50% · 4.625%
HK$33,894
+HK$1,944/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,900/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,446
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,343
−HK$910/mo
Today · 4.125%
HK$35,253
baseline
▲ 0.50% · 4.625%
HK$37,112
+HK$1,859/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,506/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,075
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,166
−HK$1,109/mo
Today · 4.125%
HK$37,275
baseline
▲ 0.50% · 4.625%
HK$39,543
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,550/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,021
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,067
−HK$1,062/mo
Today · 4.125%
HK$41,129
baseline
▲ 0.50% · 4.625%
HK$43,297
+HK$2,168/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,258/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,097
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,499
−HK$1,426/mo
Today · 4.125%
HK$47,925
baseline
▲ 0.50% · 4.625%
HK$50,841
+HK$2,916/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,850/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,170
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,515
−HK$1,365/mo
Today · 4.125%
HK$52,880
baseline
▲ 0.50% · 4.625%
HK$55,668
+HK$2,788/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,760/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,022 · Scale 2, in force from 26 Feb 2026)