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$25,007
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,785
−HK$790/mo
Today · 4.125%
HK$26,575
baseline
▲ 0.50% · 4.625%
HK$28,192
+HK$1,617/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,150/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,820
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,566
−HK$757/mo
Today · 4.125%
HK$29,323
baseline
▲ 0.50% · 4.625%
HK$30,869
+HK$1,546/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,646/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,008
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,942
−HK$948/mo
Today · 4.125%
HK$31,890
baseline
▲ 0.50% · 4.625%
HK$33,831
+HK$1,941/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,780/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,384
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,279
−HK$909/mo
Today · 4.125%
HK$35,188
baseline
▲ 0.50% · 4.625%
HK$37,042
+HK$1,854/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,376/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,010
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,099
−HK$1,106/mo
Today · 4.125%
HK$37,205
baseline
▲ 0.50% · 4.625%
HK$39,469
+HK$2,264/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,410/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,948
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,993
−HK$1,059/mo
Today · 4.125%
HK$41,052
baseline
▲ 0.50% · 4.625%
HK$43,216
+HK$2,164/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,104/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,013
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,413
−HK$1,422/mo
Today · 4.125%
HK$47,835
baseline
▲ 0.50% · 4.625%
HK$50,746
+HK$2,911/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,670/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,076
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,419
−HK$1,363/mo
Today · 4.125%
HK$52,782
baseline
▲ 0.50% · 4.625%
HK$55,564
+HK$2,782/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,564/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,254 · Scale 2, in force from 26 Feb 2026)