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$25,052
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,831
−HK$791/mo
Today · 4.125%
HK$26,622
baseline
▲ 0.50% · 4.625%
HK$28,242
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,244/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$411,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,870
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,617
−HK$758/mo
Today · 4.125%
HK$29,375
baseline
▲ 0.50% · 4.625%
HK$30,924
+HK$1,549/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,750/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$411,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,062
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,997
−HK$950/mo
Today · 4.125%
HK$31,947
baseline
▲ 0.50% · 4.625%
HK$33,891
+HK$1,944/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,894/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,443
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,340
−HK$910/mo
Today · 4.125%
HK$35,250
baseline
▲ 0.50% · 4.625%
HK$37,108
+HK$1,858/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,500/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,072
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,163
−HK$1,108/mo
Today · 4.125%
HK$37,271
baseline
▲ 0.50% · 4.625%
HK$39,539
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,542/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,017
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,064
−HK$1,061/mo
Today · 4.125%
HK$41,125
baseline
▲ 0.50% · 4.625%
HK$43,293
+HK$2,168/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,250/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,093
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,495
−HK$1,425/mo
Today · 4.125%
HK$47,920
baseline
▲ 0.50% · 4.625%
HK$50,836
+HK$2,916/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,840/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,165
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,511
−HK$1,364/mo
Today · 4.125%
HK$52,875
baseline
▲ 0.50% · 4.625%
HK$55,663
+HK$2,788/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,750/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,986 · Scale 2, in force from 26 Feb 2026)