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$25,005
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,783
−HK$790/mo
Today · 4.125%
HK$26,573
baseline
▲ 0.50% · 4.625%
HK$28,190
+HK$1,617/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,146/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,818
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,564
−HK$757/mo
Today · 4.125%
HK$29,321
baseline
▲ 0.50% · 4.625%
HK$30,867
+HK$1,546/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,642/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,006
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,940
−HK$948/mo
Today · 4.125%
HK$31,888
baseline
▲ 0.50% · 4.625%
HK$33,828
+HK$1,940/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,776/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,382
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,277
−HK$908/mo
Today · 4.125%
HK$35,185
baseline
▲ 0.50% · 4.625%
HK$37,040
+HK$1,855/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,370/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,007
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,096
−HK$1,107/mo
Today · 4.125%
HK$37,203
baseline
▲ 0.50% · 4.625%
HK$39,466
+HK$2,263/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,406/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,945
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,990
−HK$1,059/mo
Today · 4.125%
HK$41,049
baseline
▲ 0.50% · 4.625%
HK$43,213
+HK$2,164/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,098/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,009
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,410
−HK$1,422/mo
Today · 4.125%
HK$47,832
baseline
▲ 0.50% · 4.625%
HK$50,742
+HK$2,910/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,664/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,073
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,416
−HK$1,362/mo
Today · 4.125%
HK$52,778
baseline
▲ 0.50% · 4.625%
HK$55,560
+HK$2,782/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,556/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,225 · Scale 2, in force from 26 Feb 2026)