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$25,021
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,799
−HK$791/mo
Today · 4.125%
HK$26,590
baseline
▲ 0.50% · 4.625%
HK$28,208
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,180/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,836
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,582
−HK$757/mo
Today · 4.125%
HK$29,339
baseline
▲ 0.50% · 4.625%
HK$30,886
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,678/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,025
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,959
−HK$949/mo
Today · 4.125%
HK$31,908
baseline
▲ 0.50% · 4.625%
HK$33,850
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,816/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,403
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,299
−HK$908/mo
Today · 4.125%
HK$35,207
baseline
▲ 0.50% · 4.625%
HK$37,063
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,414/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,029
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,119
−HK$1,107/mo
Today · 4.125%
HK$37,226
baseline
▲ 0.50% · 4.625%
HK$39,491
+HK$2,265/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,452/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,970
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,015
−HK$1,060/mo
Today · 4.125%
HK$41,075
baseline
▲ 0.50% · 4.625%
HK$43,240
+HK$2,165/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,150/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,038
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,439
−HK$1,423/mo
Today · 4.125%
HK$47,862
baseline
▲ 0.50% · 4.625%
HK$50,774
+HK$2,912/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,724/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,104
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,448
−HK$1,363/mo
Today · 4.125%
HK$52,811
baseline
▲ 0.50% · 4.625%
HK$55,595
+HK$2,784/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,622/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,483 · Scale 2, in force from 26 Feb 2026)