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$25,056
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,835
−HK$792/mo
Today · 4.125%
HK$26,627
baseline
▲ 0.50% · 4.625%
HK$28,247
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,254/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,874
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,622
−HK$758/mo
Today · 4.125%
HK$29,380
baseline
▲ 0.50% · 4.625%
HK$30,929
+HK$1,549/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,760/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,067
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,002
−HK$951/mo
Today · 4.125%
HK$31,953
baseline
▲ 0.50% · 4.625%
HK$33,897
+HK$1,944/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$63,906/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,449
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,346
−HK$911/mo
Today · 4.125%
HK$35,257
baseline
▲ 0.50% · 4.625%
HK$37,115
+HK$1,858/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$70,514/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,078
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,169
−HK$1,109/mo
Today · 4.125%
HK$37,278
baseline
▲ 0.50% · 4.625%
HK$39,546
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,556/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,024
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,071
−HK$1,062/mo
Today · 4.125%
HK$41,133
baseline
▲ 0.50% · 4.625%
HK$43,301
+HK$2,168/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,266/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,101
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,504
−HK$1,425/mo
Today · 4.125%
HK$47,929
baseline
▲ 0.50% · 4.625%
HK$50,845
+HK$2,916/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,858/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,174
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,520
−HK$1,365/mo
Today · 4.125%
HK$52,885
baseline
▲ 0.50% · 4.625%
HK$55,672
+HK$2,787/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,770/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,059 · Scale 2, in force from 26 Feb 2026)