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$25,048
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,827
−HK$791/mo
Today · 4.125%
HK$26,618
baseline
▲ 0.50% · 4.625%
HK$28,238
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,236/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,865
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,613
−HK$758/mo
Today · 4.125%
HK$29,371
baseline
▲ 0.50% · 4.625%
HK$30,919
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,742/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,057
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,992
−HK$950/mo
Today · 4.125%
HK$31,942
baseline
▲ 0.50% · 4.625%
HK$33,886
+HK$1,944/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,884/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,438
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,335
−HK$910/mo
Today · 4.125%
HK$35,245
baseline
▲ 0.50% · 4.625%
HK$37,103
+HK$1,858/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,490/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,067
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,157
−HK$1,109/mo
Today · 4.125%
HK$37,266
baseline
▲ 0.50% · 4.625%
HK$39,533
+HK$2,267/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,532/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,011
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,058
−HK$1,061/mo
Today · 4.125%
HK$41,119
baseline
▲ 0.50% · 4.625%
HK$43,286
+HK$2,167/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,238/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,086
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,488
−HK$1,425/mo
Today · 4.125%
HK$47,913
baseline
▲ 0.50% · 4.625%
HK$50,828
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,826/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,157
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,503
−HK$1,364/mo
Today · 4.125%
HK$52,867
baseline
▲ 0.50% · 4.625%
HK$55,654
+HK$2,787/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,734/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,922 · Scale 2, in force from 26 Feb 2026)