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$25,016
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,794
−HK$791/mo
Today · 4.125%
HK$26,585
baseline
▲ 0.50% · 4.625%
HK$28,202
+HK$1,617/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,170/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,830
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,576
−HK$757/mo
Today · 4.125%
HK$29,333
baseline
▲ 0.50% · 4.625%
HK$30,880
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,666/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,019
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,953
−HK$948/mo
Today · 4.125%
HK$31,901
baseline
▲ 0.50% · 4.625%
HK$33,843
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,802/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,396
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,291
−HK$909/mo
Today · 4.125%
HK$35,200
baseline
▲ 0.50% · 4.625%
HK$37,056
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,400/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,022
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,112
−HK$1,106/mo
Today · 4.125%
HK$37,218
baseline
▲ 0.50% · 4.625%
HK$39,483
+HK$2,265/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,436/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,962
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,007
−HK$1,060/mo
Today · 4.125%
HK$41,067
baseline
▲ 0.50% · 4.625%
HK$43,231
+HK$2,164/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,134/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,028
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,429
−HK$1,423/mo
Today · 4.125%
HK$47,852
baseline
▲ 0.50% · 4.625%
HK$50,764
+HK$2,912/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,704/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,094
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,437
−HK$1,363/mo
Today · 4.125%
HK$52,800
baseline
▲ 0.50% · 4.625%
HK$55,583
+HK$2,783/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,600/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,399 · Scale 2, in force from 26 Feb 2026)