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$25,060
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,839
−HK$792/mo
Today · 4.125%
HK$26,631
baseline
▲ 0.50% · 4.625%
HK$28,252
+HK$1,621/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,262/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,879
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,627
−HK$758/mo
Today · 4.125%
HK$29,385
baseline
▲ 0.50% · 4.625%
HK$30,934
+HK$1,549/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,770/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,072
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,007
−HK$951/mo
Today · 4.125%
HK$31,958
baseline
▲ 0.50% · 4.625%
HK$33,902
+HK$1,944/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$63,916/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,455
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,352
−HK$910/mo
Today · 4.125%
HK$35,262
baseline
▲ 0.50% · 4.625%
HK$37,121
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$70,524/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,084
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,175
−HK$1,109/mo
Today · 4.125%
HK$37,284
baseline
▲ 0.50% · 4.625%
HK$39,553
+HK$2,269/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,568/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,030
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,077
−HK$1,062/mo
Today · 4.125%
HK$41,139
baseline
▲ 0.50% · 4.625%
HK$43,308
+HK$2,169/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,278/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,108
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,511
−HK$1,425/mo
Today · 4.125%
HK$47,936
baseline
▲ 0.50% · 4.625%
HK$50,853
+HK$2,917/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,872/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,182
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,528
−HK$1,365/mo
Today · 4.125%
HK$52,893
baseline
▲ 0.50% · 4.625%
HK$55,681
+HK$2,788/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,786/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,123 · Scale 2, in force from 26 Feb 2026)