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$25,046
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,825
−HK$792/mo
Today · 4.125%
HK$26,617
baseline
▲ 0.50% · 4.625%
HK$28,236
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,234/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,864
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,611
−HK$758/mo
Today · 4.125%
HK$29,369
baseline
▲ 0.50% · 4.625%
HK$30,917
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,738/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,055
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,990
−HK$950/mo
Today · 4.125%
HK$31,940
baseline
▲ 0.50% · 4.625%
HK$33,884
+HK$1,944/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,880/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,436
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,333
−HK$910/mo
Today · 4.125%
HK$35,243
baseline
▲ 0.50% · 4.625%
HK$37,100
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,486/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,065
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,155
−HK$1,108/mo
Today · 4.125%
HK$37,263
baseline
▲ 0.50% · 4.625%
HK$39,531
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,526/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,009
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,055
−HK$1,062/mo
Today · 4.125%
HK$41,117
baseline
▲ 0.50% · 4.625%
HK$43,284
+HK$2,167/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,234/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,083
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,485
−HK$1,425/mo
Today · 4.125%
HK$47,910
baseline
▲ 0.50% · 4.625%
HK$50,825
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,820/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,154
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,500
−HK$1,364/mo
Today · 4.125%
HK$52,864
baseline
▲ 0.50% · 4.625%
HK$55,651
+HK$2,787/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,728/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,897 · Scale 2, in force from 26 Feb 2026)