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$25,048
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,827
−HK$792/mo
Today · 4.125%
HK$26,619
baseline
▲ 0.50% · 4.625%
HK$28,238
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,238/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,866
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,613
−HK$758/mo
Today · 4.125%
HK$29,371
baseline
▲ 0.50% · 4.625%
HK$30,919
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,742/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,058
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,993
−HK$949/mo
Today · 4.125%
HK$31,942
baseline
▲ 0.50% · 4.625%
HK$33,886
+HK$1,944/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,884/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,439
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,336
−HK$909/mo
Today · 4.125%
HK$35,245
baseline
▲ 0.50% · 4.625%
HK$37,103
+HK$1,858/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,490/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,067
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,158
−HK$1,108/mo
Today · 4.125%
HK$37,266
baseline
▲ 0.50% · 4.625%
HK$39,534
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,532/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,012
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,058
−HK$1,062/mo
Today · 4.125%
HK$41,120
baseline
▲ 0.50% · 4.625%
HK$43,287
+HK$2,167/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,240/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,086
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,489
−HK$1,425/mo
Today · 4.125%
HK$47,914
baseline
▲ 0.50% · 4.625%
HK$50,829
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,828/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,158
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,503
−HK$1,365/mo
Today · 4.125%
HK$52,868
baseline
▲ 0.50% · 4.625%
HK$55,655
+HK$2,787/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,736/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,928 · Scale 2, in force from 26 Feb 2026)