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$25,016
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,794
−HK$791/mo
Today · 4.125%
HK$26,585
baseline
▲ 0.50% · 4.625%
HK$28,203
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,170/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,830
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,577
−HK$757/mo
Today · 4.125%
HK$29,334
baseline
▲ 0.50% · 4.625%
HK$30,880
+HK$1,546/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,668/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,020
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,953
−HK$949/mo
Today · 4.125%
HK$31,902
baseline
▲ 0.50% · 4.625%
HK$33,843
+HK$1,941/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,804/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,396
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,292
−HK$909/mo
Today · 4.125%
HK$35,201
baseline
▲ 0.50% · 4.625%
HK$37,056
+HK$1,855/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,402/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,023
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,112
−HK$1,107/mo
Today · 4.125%
HK$37,219
baseline
▲ 0.50% · 4.625%
HK$39,484
+HK$2,265/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,438/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,963
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,008
−HK$1,060/mo
Today · 4.125%
HK$41,068
baseline
▲ 0.50% · 4.625%
HK$43,232
+HK$2,164/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,136/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,029
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,430
−HK$1,423/mo
Today · 4.125%
HK$47,853
baseline
▲ 0.50% · 4.625%
HK$50,765
+HK$2,912/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,706/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,095
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,438
−HK$1,363/mo
Today · 4.125%
HK$52,801
baseline
▲ 0.50% · 4.625%
HK$55,584
+HK$2,783/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,602/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,407 · Scale 2, in force from 26 Feb 2026)