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$25,019
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,797
−HK$791/mo
Today · 4.125%
HK$26,588
baseline
▲ 0.50% · 4.625%
HK$28,205
+HK$1,617/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,176/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,833
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,579
−HK$758/mo
Today · 4.125%
HK$29,337
baseline
▲ 0.50% · 4.625%
HK$30,883
+HK$1,546/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,674/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,022
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,956
−HK$949/mo
Today · 4.125%
HK$31,905
baseline
▲ 0.50% · 4.625%
HK$33,846
+HK$1,941/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,810/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,400
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,295
−HK$909/mo
Today · 4.125%
HK$35,204
baseline
▲ 0.50% · 4.625%
HK$37,060
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,408/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,026
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,116
−HK$1,107/mo
Today · 4.125%
HK$37,223
baseline
▲ 0.50% · 4.625%
HK$39,487
+HK$2,264/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,446/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,966
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,011
−HK$1,060/mo
Today · 4.125%
HK$41,071
baseline
▲ 0.50% · 4.625%
HK$43,236
+HK$2,165/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,142/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,034
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,434
−HK$1,424/mo
Today · 4.125%
HK$47,858
baseline
▲ 0.50% · 4.625%
HK$50,770
+HK$2,912/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,716/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,099
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,443
−HK$1,363/mo
Today · 4.125%
HK$52,806
baseline
▲ 0.50% · 4.625%
HK$55,590
+HK$2,784/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,612/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,445 · Scale 2, in force from 26 Feb 2026)