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$25,030
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,808
−HK$791/mo
Today · 4.125%
HK$26,599
baseline
▲ 0.50% · 4.625%
HK$28,218
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,198/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,845
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,592
−HK$758/mo
Today · 4.125%
HK$29,350
baseline
▲ 0.50% · 4.625%
HK$30,897
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,700/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,036
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,970
−HK$949/mo
Today · 4.125%
HK$31,919
baseline
▲ 0.50% · 4.625%
HK$33,861
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,838/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,414
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,311
−HK$909/mo
Today · 4.125%
HK$35,220
baseline
▲ 0.50% · 4.625%
HK$37,076
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,440/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,042
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,132
−HK$1,107/mo
Today · 4.125%
HK$37,239
baseline
▲ 0.50% · 4.625%
HK$39,505
+HK$2,266/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,478/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,984
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,029
−HK$1,061/mo
Today · 4.125%
HK$41,090
baseline
▲ 0.50% · 4.625%
HK$43,256
+HK$2,166/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,180/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,054
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,455
−HK$1,424/mo
Today · 4.125%
HK$47,879
baseline
▲ 0.50% · 4.625%
HK$50,792
+HK$2,913/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,758/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,122
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,466
−HK$1,364/mo
Today · 4.125%
HK$52,830
baseline
▲ 0.50% · 4.625%
HK$55,614
+HK$2,784/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,660/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,628 · Scale 2, in force from 26 Feb 2026)