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$25,022
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,800
−HK$791/mo
Today · 4.125%
HK$26,591
baseline
▲ 0.50% · 4.625%
HK$28,209
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,182/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,837
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,583
−HK$758/mo
Today · 4.125%
HK$29,341
baseline
▲ 0.50% · 4.625%
HK$30,887
+HK$1,546/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,682/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,027
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,961
−HK$948/mo
Today · 4.125%
HK$31,909
baseline
▲ 0.50% · 4.625%
HK$33,851
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,818/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,404
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,300
−HK$909/mo
Today · 4.125%
HK$35,209
baseline
▲ 0.50% · 4.625%
HK$37,065
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,418/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,031
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,121
−HK$1,107/mo
Today · 4.125%
HK$37,228
baseline
▲ 0.50% · 4.625%
HK$39,493
+HK$2,265/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,456/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,972
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,017
−HK$1,060/mo
Today · 4.125%
HK$41,077
baseline
▲ 0.50% · 4.625%
HK$43,242
+HK$2,165/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,154/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,040
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,441
−HK$1,423/mo
Today · 4.125%
HK$47,864
baseline
▲ 0.50% · 4.625%
HK$50,777
+HK$2,913/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,728/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,106
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,450
−HK$1,363/mo
Today · 4.125%
HK$52,813
baseline
▲ 0.50% · 4.625%
HK$55,597
+HK$2,784/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,626/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,503 · Scale 2, in force from 26 Feb 2026)