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$25,011
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,789
−HK$790/mo
Today · 4.125%
HK$26,579
baseline
▲ 0.50% · 4.625%
HK$28,197
+HK$1,618/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,158/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,824
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,571
−HK$757/mo
Today · 4.125%
HK$29,328
baseline
▲ 0.50% · 4.625%
HK$30,874
+HK$1,546/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,656/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,013
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,947
−HK$948/mo
Today · 4.125%
HK$31,895
baseline
▲ 0.50% · 4.625%
HK$33,836
+HK$1,941/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,790/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,389
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,285
−HK$908/mo
Today · 4.125%
HK$35,193
baseline
▲ 0.50% · 4.625%
HK$37,048
+HK$1,855/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,386/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,015
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,105
−HK$1,106/mo
Today · 4.125%
HK$37,211
baseline
▲ 0.50% · 4.625%
HK$39,475
+HK$2,264/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,422/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,954
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$39,999
−HK$1,060/mo
Today · 4.125%
HK$41,059
baseline
▲ 0.50% · 4.625%
HK$43,223
+HK$2,164/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,118/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,020
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,420
−HK$1,423/mo
Today · 4.125%
HK$47,843
baseline
▲ 0.50% · 4.625%
HK$50,754
+HK$2,911/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,686/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,084
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,427
−HK$1,363/mo
Today · 4.125%
HK$52,790
baseline
▲ 0.50% · 4.625%
HK$55,572
+HK$2,782/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,580/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,319 · Scale 2, in force from 26 Feb 2026)