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$25,046
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,825
−HK$791/mo
Today · 4.125%
HK$26,616
baseline
▲ 0.50% · 4.625%
HK$28,236
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,232/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,863
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,610
−HK$758/mo
Today · 4.125%
HK$29,368
baseline
▲ 0.50% · 4.625%
HK$30,916
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,736/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,055
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,990
−HK$949/mo
Today · 4.125%
HK$31,939
baseline
▲ 0.50% · 4.625%
HK$33,883
+HK$1,944/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,878/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,436
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,332
−HK$910/mo
Today · 4.125%
HK$35,242
baseline
▲ 0.50% · 4.625%
HK$37,100
+HK$1,858/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,484/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,064
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,154
−HK$1,109/mo
Today · 4.125%
HK$37,263
baseline
▲ 0.50% · 4.625%
HK$39,530
+HK$2,267/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,526/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,008
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,054
−HK$1,062/mo
Today · 4.125%
HK$41,116
baseline
▲ 0.50% · 4.625%
HK$43,283
+HK$2,167/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,232/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,082
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,484
−HK$1,425/mo
Today · 4.125%
HK$47,909
baseline
▲ 0.50% · 4.625%
HK$50,824
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,818/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,153
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,498
−HK$1,365/mo
Today · 4.125%
HK$52,863
baseline
▲ 0.50% · 4.625%
HK$55,649
+HK$2,786/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,726/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,888 · Scale 2, in force from 26 Feb 2026)