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$25,053
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,833
−HK$791/mo
Today · 4.125%
HK$26,624
baseline
▲ 0.50% · 4.625%
HK$28,245
+HK$1,621/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,248/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,872
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,619
−HK$759/mo
Today · 4.125%
HK$29,378
baseline
▲ 0.50% · 4.625%
HK$30,926
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,756/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,064
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,999
−HK$950/mo
Today · 4.125%
HK$31,949
baseline
▲ 0.50% · 4.625%
HK$33,893
+HK$1,944/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,898/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,446
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,343
−HK$910/mo
Today · 4.125%
HK$35,253
baseline
▲ 0.50% · 4.625%
HK$37,111
+HK$1,858/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,506/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,075
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,166
−HK$1,108/mo
Today · 4.125%
HK$37,274
baseline
▲ 0.50% · 4.625%
HK$39,542
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,548/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,020
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,067
−HK$1,062/mo
Today · 4.125%
HK$41,129
baseline
▲ 0.50% · 4.625%
HK$43,296
+HK$2,167/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,258/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,096
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,499
−HK$1,425/mo
Today · 4.125%
HK$47,924
baseline
▲ 0.50% · 4.625%
HK$50,840
+HK$2,916/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,848/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,169
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,515
−HK$1,365/mo
Today · 4.125%
HK$52,880
baseline
▲ 0.50% · 4.625%
HK$55,667
+HK$2,787/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,760/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,017 · Scale 2, in force from 26 Feb 2026)