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$25,036
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,814
−HK$792/mo
Today · 4.125%
HK$26,606
baseline
▲ 0.50% · 4.625%
HK$28,224
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,212/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,852
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,599
−HK$758/mo
Today · 4.125%
HK$29,357
baseline
▲ 0.50% · 4.625%
HK$30,904
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,714/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,043
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,977
−HK$950/mo
Today · 4.125%
HK$31,927
baseline
▲ 0.50% · 4.625%
HK$33,869
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,854/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,422
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,319
−HK$909/mo
Today · 4.125%
HK$35,228
baseline
▲ 0.50% · 4.625%
HK$37,085
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,456/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,050
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,140
−HK$1,108/mo
Today · 4.125%
HK$37,248
baseline
▲ 0.50% · 4.625%
HK$39,514
+HK$2,266/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,496/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,993
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,038
−HK$1,061/mo
Today · 4.125%
HK$41,099
baseline
▲ 0.50% · 4.625%
HK$43,266
+HK$2,167/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,198/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,064
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,466
−HK$1,424/mo
Today · 4.125%
HK$47,890
baseline
▲ 0.50% · 4.625%
HK$50,804
+HK$2,914/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,780/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,133
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,478
−HK$1,364/mo
Today · 4.125%
HK$52,842
baseline
▲ 0.50% · 4.625%
HK$55,627
+HK$2,785/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,684/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,723 · Scale 2, in force from 26 Feb 2026)