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$25,008
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,785
−HK$791/mo
Today · 4.125%
HK$26,576
baseline
▲ 0.50% · 4.625%
HK$28,193
+HK$1,617/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,152/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,821
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,567
−HK$757/mo
Today · 4.125%
HK$29,324
baseline
▲ 0.50% · 4.625%
HK$30,869
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,648/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,009
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,943
−HK$948/mo
Today · 4.125%
HK$31,891
baseline
▲ 0.50% · 4.625%
HK$33,831
+HK$1,940/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,782/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,385
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,280
−HK$908/mo
Today · 4.125%
HK$35,188
baseline
▲ 0.50% · 4.625%
HK$37,043
+HK$1,855/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,376/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,011
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,100
−HK$1,106/mo
Today · 4.125%
HK$37,206
baseline
▲ 0.50% · 4.625%
HK$39,470
+HK$2,264/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,412/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,949
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,994
−HK$1,059/mo
Today · 4.125%
HK$41,053
baseline
▲ 0.50% · 4.625%
HK$43,217
+HK$2,164/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,106/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,014
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,414
−HK$1,422/mo
Today · 4.125%
HK$47,836
baseline
▲ 0.50% · 4.625%
HK$50,747
+HK$2,911/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,672/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,077
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,420
−HK$1,363/mo
Today · 4.125%
HK$52,783
baseline
▲ 0.50% · 4.625%
HK$55,565
+HK$2,782/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,566/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,263 · Scale 2, in force from 26 Feb 2026)