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$25,043
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,822
−HK$792/mo
Today · 4.125%
HK$26,614
baseline
▲ 0.50% · 4.625%
HK$28,233
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,228/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,860
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,608
−HK$758/mo
Today · 4.125%
HK$29,366
baseline
▲ 0.50% · 4.625%
HK$30,914
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,732/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,052
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,987
−HK$949/mo
Today · 4.125%
HK$31,936
baseline
▲ 0.50% · 4.625%
HK$33,880
+HK$1,944/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,872/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,432
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,329
−HK$910/mo
Today · 4.125%
HK$35,239
baseline
▲ 0.50% · 4.625%
HK$37,096
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,478/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,061
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,151
−HK$1,108/mo
Today · 4.125%
HK$37,259
baseline
▲ 0.50% · 4.625%
HK$39,526
+HK$2,267/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,518/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,005
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,051
−HK$1,061/mo
Today · 4.125%
HK$41,112
baseline
▲ 0.50% · 4.625%
HK$43,279
+HK$2,167/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,224/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,078
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,480
−HK$1,425/mo
Today · 4.125%
HK$47,905
baseline
▲ 0.50% · 4.625%
HK$50,820
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,810/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,149
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,494
−HK$1,364/mo
Today · 4.125%
HK$52,858
baseline
▲ 0.50% · 4.625%
HK$55,644
+HK$2,786/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,716/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,850 · Scale 2, in force from 26 Feb 2026)