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$25,039
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,818
−HK$791/mo
Today · 4.125%
HK$26,609
baseline
▲ 0.50% · 4.625%
HK$28,228
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,218/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,856
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,603
−HK$758/mo
Today · 4.125%
HK$29,361
baseline
▲ 0.50% · 4.625%
HK$30,908
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,722/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,047
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,981
−HK$950/mo
Today · 4.125%
HK$31,931
baseline
▲ 0.50% · 4.625%
HK$33,874
+HK$1,943/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,862/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,427
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,323
−HK$910/mo
Today · 4.125%
HK$35,233
baseline
▲ 0.50% · 4.625%
HK$37,090
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,466/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,055
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,145
−HK$1,108/mo
Today · 4.125%
HK$37,253
baseline
▲ 0.50% · 4.625%
HK$39,520
+HK$2,267/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,506/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,998
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,044
−HK$1,061/mo
Today · 4.125%
HK$41,105
baseline
▲ 0.50% · 4.625%
HK$43,271
+HK$2,166/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,210/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,070
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,472
−HK$1,424/mo
Today · 4.125%
HK$47,896
baseline
▲ 0.50% · 4.625%
HK$50,811
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,792/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,140
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,485
−HK$1,364/mo
Today · 4.125%
HK$52,849
baseline
▲ 0.50% · 4.625%
HK$55,635
+HK$2,786/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,698/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,780 · Scale 2, in force from 26 Feb 2026)