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$25,038
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,816
−HK$792/mo
Today · 4.125%
HK$26,608
baseline
▲ 0.50% · 4.625%
HK$28,227
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,216/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,854
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,601
−HK$758/mo
Today · 4.125%
HK$29,359
baseline
▲ 0.50% · 4.625%
HK$30,906
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,718/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,045
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,980
−HK$949/mo
Today · 4.125%
HK$31,929
baseline
▲ 0.50% · 4.625%
HK$33,872
+HK$1,943/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,858/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,425
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,321
−HK$910/mo
Today · 4.125%
HK$35,231
baseline
▲ 0.50% · 4.625%
HK$37,088
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,462/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,053
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,143
−HK$1,108/mo
Today · 4.125%
HK$37,251
baseline
▲ 0.50% · 4.625%
HK$39,517
+HK$2,266/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,502/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,996
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,041
−HK$1,061/mo
Today · 4.125%
HK$41,102
baseline
▲ 0.50% · 4.625%
HK$43,269
+HK$2,167/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,204/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,068
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,469
−HK$1,425/mo
Today · 4.125%
HK$47,894
baseline
▲ 0.50% · 4.625%
HK$50,808
+HK$2,914/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,788/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,137
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,482
−HK$1,364/mo
Today · 4.125%
HK$52,846
baseline
▲ 0.50% · 4.625%
HK$55,632
+HK$2,786/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,692/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,756 · Scale 2, in force from 26 Feb 2026)