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$25,018
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,796
−HK$791/mo
Today · 4.125%
HK$26,587
baseline
▲ 0.50% · 4.625%
HK$28,205
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,174/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,832
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,579
−HK$757/mo
Today · 4.125%
HK$29,336
baseline
▲ 0.50% · 4.625%
HK$30,882
+HK$1,546/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,672/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,022
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,955
−HK$949/mo
Today · 4.125%
HK$31,904
baseline
▲ 0.50% · 4.625%
HK$33,845
+HK$1,941/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,808/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,399
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,294
−HK$909/mo
Today · 4.125%
HK$35,203
baseline
▲ 0.50% · 4.625%
HK$37,059
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,406/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,025
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,115
−HK$1,107/mo
Today · 4.125%
HK$37,222
baseline
▲ 0.50% · 4.625%
HK$39,486
+HK$2,264/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,444/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,965
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,010
−HK$1,060/mo
Today · 4.125%
HK$41,070
baseline
▲ 0.50% · 4.625%
HK$43,235
+HK$2,165/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,140/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,032
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,433
−HK$1,423/mo
Today · 4.125%
HK$47,856
baseline
▲ 0.50% · 4.625%
HK$50,768
+HK$2,912/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,712/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,098
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,442
−HK$1,363/mo
Today · 4.125%
HK$52,805
baseline
▲ 0.50% · 4.625%
HK$55,588
+HK$2,783/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,610/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,434 · Scale 2, in force from 26 Feb 2026)