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$25,045
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,824
−HK$792/mo
Today · 4.125%
HK$26,616
baseline
▲ 0.50% · 4.625%
HK$28,235
+HK$1,619/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$411,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,862
−HK$1,506/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$411,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,054
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,989
−HK$950/mo
Today · 4.125%
HK$31,939
baseline
▲ 0.50% · 4.625%
HK$33,882
+HK$1,943/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$411,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,435
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,332
−HK$909/mo
Today · 4.125%
HK$35,241
baseline
▲ 0.50% · 4.625%
HK$37,099
+HK$1,858/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,482/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,063
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,154
−HK$1,108/mo
Today · 4.125%
HK$37,262
baseline
▲ 0.50% · 4.625%
HK$39,529
+HK$2,267/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,524/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,007
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,053
−HK$1,062/mo
Today · 4.125%
HK$41,115
baseline
▲ 0.50% · 4.625%
HK$43,282
+HK$2,167/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,230/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,081
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,483
−HK$1,425/mo
Today · 4.125%
HK$47,908
baseline
▲ 0.50% · 4.625%
HK$50,823
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,816/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,152
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,497
−HK$1,365/mo
Today · 4.125%
HK$52,862
baseline
▲ 0.50% · 4.625%
HK$55,648
+HK$2,786/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,724/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,879 · Scale 2, in force from 26 Feb 2026)