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$25,042
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,821
−HK$792/mo
Today · 4.125%
HK$26,613
baseline
▲ 0.50% · 4.625%
HK$28,232
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,226/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,859
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,607
−HK$758/mo
Today · 4.125%
HK$29,365
baseline
▲ 0.50% · 4.625%
HK$30,912
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,730/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,051
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,986
−HK$949/mo
Today · 4.125%
HK$31,935
baseline
▲ 0.50% · 4.625%
HK$33,879
+HK$1,944/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,870/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,431
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,328
−HK$910/mo
Today · 4.125%
HK$35,238
baseline
▲ 0.50% · 4.625%
HK$37,095
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,476/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,059
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,150
−HK$1,108/mo
Today · 4.125%
HK$37,258
baseline
▲ 0.50% · 4.625%
HK$39,525
+HK$2,267/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,516/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,003
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,049
−HK$1,061/mo
Today · 4.125%
HK$41,110
baseline
▲ 0.50% · 4.625%
HK$43,277
+HK$2,167/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,220/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,076
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,479
−HK$1,424/mo
Today · 4.125%
HK$47,903
baseline
▲ 0.50% · 4.625%
HK$50,818
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,806/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,147
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,492
−HK$1,364/mo
Today · 4.125%
HK$52,856
baseline
▲ 0.50% · 4.625%
HK$55,642
+HK$2,786/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,712/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,837 · Scale 2, in force from 26 Feb 2026)