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$25,017
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,795
−HK$791/mo
Today · 4.125%
HK$26,586
baseline
▲ 0.50% · 4.625%
HK$28,204
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,172/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,831
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,578
−HK$757/mo
Today · 4.125%
HK$29,335
baseline
▲ 0.50% · 4.625%
HK$30,881
+HK$1,546/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,670/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,021
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,954
−HK$949/mo
Today · 4.125%
HK$31,903
baseline
▲ 0.50% · 4.625%
HK$33,844
+HK$1,941/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,806/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,398
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,293
−HK$909/mo
Today · 4.125%
HK$35,202
baseline
▲ 0.50% · 4.625%
HK$37,058
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,404/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,024
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,113
−HK$1,107/mo
Today · 4.125%
HK$37,220
baseline
▲ 0.50% · 4.625%
HK$39,485
+HK$2,265/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,440/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,964
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,009
−HK$1,060/mo
Today · 4.125%
HK$41,069
baseline
▲ 0.50% · 4.625%
HK$43,234
+HK$2,165/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,138/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,031
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,432
−HK$1,423/mo
Today · 4.125%
HK$47,855
baseline
▲ 0.50% · 4.625%
HK$50,767
+HK$2,912/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,710/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,096
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,440
−HK$1,363/mo
Today · 4.125%
HK$52,803
baseline
▲ 0.50% · 4.625%
HK$55,586
+HK$2,783/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,606/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,421 · Scale 2, in force from 26 Feb 2026)