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$25,032
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,811
−HK$791/mo
Today · 4.125%
HK$26,602
baseline
▲ 0.50% · 4.625%
HK$28,221
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,204/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,848
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,595
−HK$758/mo
Today · 4.125%
HK$29,353
baseline
▲ 0.50% · 4.625%
HK$30,900
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,706/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,039
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,973
−HK$950/mo
Today · 4.125%
HK$31,923
baseline
▲ 0.50% · 4.625%
HK$33,865
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,846/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,418
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,314
−HK$909/mo
Today · 4.125%
HK$35,223
baseline
▲ 0.50% · 4.625%
HK$37,080
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,446/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,045
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,136
−HK$1,107/mo
Today · 4.125%
HK$37,243
baseline
▲ 0.50% · 4.625%
HK$39,509
+HK$2,266/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,486/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,988
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,033
−HK$1,061/mo
Today · 4.125%
HK$41,094
baseline
▲ 0.50% · 4.625%
HK$43,260
+HK$2,166/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,188/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,058
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,460
−HK$1,424/mo
Today · 4.125%
HK$47,884
baseline
▲ 0.50% · 4.625%
HK$50,798
+HK$2,914/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,768/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,127
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,471
−HK$1,364/mo
Today · 4.125%
HK$52,835
baseline
▲ 0.50% · 4.625%
HK$55,620
+HK$2,785/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,670/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,672 · Scale 2, in force from 26 Feb 2026)