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$25,045
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,824
−HK$791/mo
Today · 4.125%
HK$26,615
baseline
▲ 0.50% · 4.625%
HK$28,235
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,230/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,862
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,609
−HK$758/mo
Today · 4.125%
HK$29,367
baseline
▲ 0.50% · 4.625%
HK$30,915
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,734/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,053
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,988
−HK$950/mo
Today · 4.125%
HK$31,938
baseline
▲ 0.50% · 4.625%
HK$33,881
+HK$1,943/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,876/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,434
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,331
−HK$910/mo
Today · 4.125%
HK$35,241
baseline
▲ 0.50% · 4.625%
HK$37,098
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,482/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,062
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,153
−HK$1,108/mo
Today · 4.125%
HK$37,261
baseline
▲ 0.50% · 4.625%
HK$39,528
+HK$2,267/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,522/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,007
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,053
−HK$1,061/mo
Today · 4.125%
HK$41,114
baseline
▲ 0.50% · 4.625%
HK$43,281
+HK$2,167/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,228/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,080
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,482
−HK$1,425/mo
Today · 4.125%
HK$47,907
baseline
▲ 0.50% · 4.625%
HK$50,822
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,814/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,151
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,496
−HK$1,365/mo
Today · 4.125%
HK$52,861
baseline
▲ 0.50% · 4.625%
HK$55,647
+HK$2,786/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,722/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,872 · Scale 2, in force from 26 Feb 2026)