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$25,021
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,800
−HK$790/mo
Today · 4.125%
HK$26,590
baseline
▲ 0.50% · 4.625%
HK$28,208
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,180/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,836
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,583
−HK$757/mo
Today · 4.125%
HK$29,340
baseline
▲ 0.50% · 4.625%
HK$30,886
+HK$1,546/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,680/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,026
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,960
−HK$948/mo
Today · 4.125%
HK$31,908
baseline
▲ 0.50% · 4.625%
HK$33,850
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,816/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,403
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,299
−HK$909/mo
Today · 4.125%
HK$35,208
baseline
▲ 0.50% · 4.625%
HK$37,064
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,416/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,030
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,119
−HK$1,108/mo
Today · 4.125%
HK$37,227
baseline
▲ 0.50% · 4.625%
HK$39,492
+HK$2,265/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,454/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,970
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,016
−HK$1,060/mo
Today · 4.125%
HK$41,076
baseline
▲ 0.50% · 4.625%
HK$43,241
+HK$2,165/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,152/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,038
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,439
−HK$1,424/mo
Today · 4.125%
HK$47,863
baseline
▲ 0.50% · 4.625%
HK$50,775
+HK$2,912/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,726/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,105
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,449
−HK$1,363/mo
Today · 4.125%
HK$52,812
baseline
▲ 0.50% · 4.625%
HK$55,596
+HK$2,784/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,624/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,489 · Scale 2, in force from 26 Feb 2026)