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$25,027
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,805
−HK$791/mo
Today · 4.125%
HK$26,596
baseline
▲ 0.50% · 4.625%
HK$28,215
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,192/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,842
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,589
−HK$757/mo
Today · 4.125%
HK$29,346
baseline
▲ 0.50% · 4.625%
HK$30,893
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,692/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,032
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,967
−HK$949/mo
Today · 4.125%
HK$31,916
baseline
▲ 0.50% · 4.625%
HK$33,858
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,832/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,411
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,307
−HK$909/mo
Today · 4.125%
HK$35,216
baseline
▲ 0.50% · 4.625%
HK$37,072
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,432/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,038
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,128
−HK$1,107/mo
Today · 4.125%
HK$37,235
baseline
▲ 0.50% · 4.625%
HK$39,501
+HK$2,266/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,470/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,979
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,025
−HK$1,060/mo
Today · 4.125%
HK$41,085
baseline
▲ 0.50% · 4.625%
HK$43,251
+HK$2,166/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,170/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,048
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,450
−HK$1,423/mo
Today · 4.125%
HK$47,873
baseline
▲ 0.50% · 4.625%
HK$50,786
+HK$2,913/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,746/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,116
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,460
−HK$1,364/mo
Today · 4.125%
HK$52,824
baseline
▲ 0.50% · 4.625%
HK$55,608
+HK$2,784/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,648/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,582 · Scale 2, in force from 26 Feb 2026)