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$25,028
−HK$1,570/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$411,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,843
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,590
−HK$758/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$411,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,034
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,968
−HK$949/mo
Today · 4.125%
HK$31,917
baseline
▲ 0.50% · 4.625%
HK$33,859
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,834/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,412
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,308
−HK$909/mo
Today · 4.125%
HK$35,217
baseline
▲ 0.50% · 4.625%
HK$37,074
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,434/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,039
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,129
−HK$1,108/mo
Today · 4.125%
HK$37,237
baseline
▲ 0.50% · 4.625%
HK$39,502
+HK$2,265/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$411,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,981
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,026
−HK$1,061/mo
Today · 4.125%
HK$41,087
baseline
▲ 0.50% · 4.625%
HK$43,253
+HK$2,166/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,174/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,050
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,452
−HK$1,424/mo
Today · 4.125%
HK$47,876
baseline
▲ 0.50% · 4.625%
HK$50,789
+HK$2,913/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$411,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,118
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,462
−HK$1,364/mo
Today · 4.125%
HK$52,826
baseline
▲ 0.50% · 4.625%
HK$55,610
+HK$2,784/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,652/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,600 · Scale 2, in force from 26 Feb 2026)