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$25,033
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,812
−HK$791/mo
Today · 4.125%
HK$26,603
baseline
▲ 0.50% · 4.625%
HK$28,222
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,206/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,849
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,596
−HK$758/mo
Today · 4.125%
HK$29,354
baseline
▲ 0.50% · 4.625%
HK$30,901
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,708/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,040
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,974
−HK$949/mo
Today · 4.125%
HK$31,923
baseline
▲ 0.50% · 4.625%
HK$33,866
+HK$1,943/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$411,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,419
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,315
−HK$909/mo
Today · 4.125%
HK$35,224
baseline
▲ 0.50% · 4.625%
HK$37,081
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,448/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,046
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,136
−HK$1,108/mo
Today · 4.125%
HK$37,244
baseline
▲ 0.50% · 4.625%
HK$39,510
+HK$2,266/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,488/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,989
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,034
−HK$1,061/mo
Today · 4.125%
HK$41,095
baseline
▲ 0.50% · 4.625%
HK$43,261
+HK$2,166/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,190/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,059
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,461
−HK$1,424/mo
Today · 4.125%
HK$47,885
baseline
▲ 0.50% · 4.625%
HK$50,799
+HK$2,914/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,770/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,128
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,473
−HK$1,363/mo
Today · 4.125%
HK$52,836
baseline
▲ 0.50% · 4.625%
HK$55,622
+HK$2,786/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,672/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,682 · Scale 2, in force from 26 Feb 2026)