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$25,020
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,799
−HK$790/mo
Today · 4.125%
HK$26,589
baseline
▲ 0.50% · 4.625%
HK$28,207
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,178/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,835
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,581
−HK$758/mo
Today · 4.125%
HK$29,339
baseline
▲ 0.50% · 4.625%
HK$30,885
+HK$1,546/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,678/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,025
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,958
−HK$949/mo
Today · 4.125%
HK$31,907
baseline
▲ 0.50% · 4.625%
HK$33,849
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,814/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,402
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,298
−HK$909/mo
Today · 4.125%
HK$35,207
baseline
▲ 0.50% · 4.625%
HK$37,062
+HK$1,855/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,414/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,029
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,118
−HK$1,107/mo
Today · 4.125%
HK$37,225
baseline
▲ 0.50% · 4.625%
HK$39,490
+HK$2,265/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,450/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,969
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,014
−HK$1,060/mo
Today · 4.125%
HK$41,074
baseline
▲ 0.50% · 4.625%
HK$43,239
+HK$2,165/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,148/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,037
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,438
−HK$1,423/mo
Today · 4.125%
HK$47,861
baseline
▲ 0.50% · 4.625%
HK$50,773
+HK$2,912/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,722/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,103
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,447
−HK$1,363/mo
Today · 4.125%
HK$52,810
baseline
▲ 0.50% · 4.625%
HK$55,594
+HK$2,784/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,620/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,474 · Scale 2, in force from 26 Feb 2026)