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$25,044
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,823
−HK$792/mo
Today · 4.125%
HK$26,615
baseline
▲ 0.50% · 4.625%
HK$28,234
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,230/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,861
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,609
−HK$758/mo
Today · 4.125%
HK$29,367
baseline
▲ 0.50% · 4.625%
HK$30,915
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,734/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,053
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,988
−HK$950/mo
Today · 4.125%
HK$31,938
baseline
▲ 0.50% · 4.625%
HK$33,881
+HK$1,943/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,876/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,434
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,330
−HK$910/mo
Today · 4.125%
HK$35,240
baseline
▲ 0.50% · 4.625%
HK$37,098
+HK$1,858/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,480/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,062
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,152
−HK$1,109/mo
Today · 4.125%
HK$37,261
baseline
▲ 0.50% · 4.625%
HK$39,528
+HK$2,267/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,522/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,006
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,052
−HK$1,061/mo
Today · 4.125%
HK$41,113
baseline
▲ 0.50% · 4.625%
HK$43,280
+HK$2,167/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,226/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,080
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,482
−HK$1,424/mo
Today · 4.125%
HK$47,906
baseline
▲ 0.50% · 4.625%
HK$50,821
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,812/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,151
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,496
−HK$1,364/mo
Today · 4.125%
HK$52,860
baseline
▲ 0.50% · 4.625%
HK$55,646
+HK$2,786/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,720/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,865 · Scale 2, in force from 26 Feb 2026)