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$25,057
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,836
−HK$792/mo
Today · 4.125%
HK$26,628
baseline
▲ 0.50% · 4.625%
HK$28,248
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,256/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,875
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,623
−HK$758/mo
Today · 4.125%
HK$29,381
baseline
▲ 0.50% · 4.625%
HK$30,930
+HK$1,549/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,762/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,068
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,003
−HK$950/mo
Today · 4.125%
HK$31,953
baseline
▲ 0.50% · 4.625%
HK$33,898
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$63,906/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,450
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,347
−HK$910/mo
Today · 4.125%
HK$35,257
baseline
▲ 0.50% · 4.625%
HK$37,116
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$70,514/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,079
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,170
−HK$1,109/mo
Today · 4.125%
HK$37,279
baseline
▲ 0.50% · 4.625%
HK$39,547
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,558/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,025
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,072
−HK$1,062/mo
Today · 4.125%
HK$41,134
baseline
▲ 0.50% · 4.625%
HK$43,302
+HK$2,168/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,268/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,102
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,505
−HK$1,425/mo
Today · 4.125%
HK$47,930
baseline
▲ 0.50% · 4.625%
HK$50,846
+HK$2,916/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,860/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,175
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,521
−HK$1,365/mo
Today · 4.125%
HK$52,886
baseline
▲ 0.50% · 4.625%
HK$55,674
+HK$2,788/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,772/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,068 · Scale 2, in force from 26 Feb 2026)