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$25,014
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,792
−HK$790/mo
Today · 4.125%
HK$26,582
baseline
▲ 0.50% · 4.625%
HK$28,200
+HK$1,618/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,164/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,828
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,574
−HK$757/mo
Today · 4.125%
HK$29,331
baseline
▲ 0.50% · 4.625%
HK$30,877
+HK$1,546/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,662/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,016
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,950
−HK$949/mo
Today · 4.125%
HK$31,899
baseline
▲ 0.50% · 4.625%
HK$33,840
+HK$1,941/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,798/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,393
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,289
−HK$908/mo
Today · 4.125%
HK$35,197
baseline
▲ 0.50% · 4.625%
HK$37,052
+HK$1,855/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,394/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,019
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,109
−HK$1,106/mo
Today · 4.125%
HK$37,215
baseline
▲ 0.50% · 4.625%
HK$39,480
+HK$2,265/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,430/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,959
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$40,003
−HK$1,060/mo
Today · 4.125%
HK$41,063
baseline
▲ 0.50% · 4.625%
HK$43,228
+HK$2,165/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,126/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,025
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,425
−HK$1,423/mo
Today · 4.125%
HK$47,848
baseline
▲ 0.50% · 4.625%
HK$50,760
+HK$2,912/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,696/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,090
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,433
−HK$1,363/mo
Today · 4.125%
HK$52,796
baseline
▲ 0.50% · 4.625%
HK$55,579
+HK$2,783/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,592/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,365 · Scale 2, in force from 26 Feb 2026)