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$25,044
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,823
−HK$791/mo
Today · 4.125%
HK$26,614
baseline
▲ 0.50% · 4.625%
HK$28,234
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,228/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,861
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,608
−HK$758/mo
Today · 4.125%
HK$29,366
baseline
▲ 0.50% · 4.625%
HK$30,914
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,732/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,053
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,987
−HK$950/mo
Today · 4.125%
HK$31,937
baseline
▲ 0.50% · 4.625%
HK$33,881
+HK$1,944/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,874/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,433
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,330
−HK$910/mo
Today · 4.125%
HK$35,240
baseline
▲ 0.50% · 4.625%
HK$37,097
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,480/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,061
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,152
−HK$1,108/mo
Today · 4.125%
HK$37,260
baseline
▲ 0.50% · 4.625%
HK$39,527
+HK$2,267/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,520/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,005
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,052
−HK$1,061/mo
Today · 4.125%
HK$41,113
baseline
▲ 0.50% · 4.625%
HK$43,280
+HK$2,167/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,226/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,079
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,481
−HK$1,425/mo
Today · 4.125%
HK$47,906
baseline
▲ 0.50% · 4.625%
HK$50,821
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,812/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,150
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,495
−HK$1,364/mo
Today · 4.125%
HK$52,859
baseline
▲ 0.50% · 4.625%
HK$55,646
+HK$2,787/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,718/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,860 · Scale 2, in force from 26 Feb 2026)