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$25,055
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,834
−HK$792/mo
Today · 4.125%
HK$26,626
baseline
▲ 0.50% · 4.625%
HK$28,246
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,252/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,873
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,621
−HK$758/mo
Today · 4.125%
HK$29,379
baseline
▲ 0.50% · 4.625%
HK$30,928
+HK$1,549/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,758/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,066
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,001
−HK$950/mo
Today · 4.125%
HK$31,951
baseline
▲ 0.50% · 4.625%
HK$33,896
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$63,902/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,448
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,345
−HK$910/mo
Today · 4.125%
HK$35,255
baseline
▲ 0.50% · 4.625%
HK$37,114
+HK$1,859/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$70,510/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,077
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,168
−HK$1,109/mo
Today · 4.125%
HK$37,277
baseline
▲ 0.50% · 4.625%
HK$39,545
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,554/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,023
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,069
−HK$1,062/mo
Today · 4.125%
HK$41,131
baseline
▲ 0.50% · 4.625%
HK$43,299
+HK$2,168/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,262/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,099
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,502
−HK$1,425/mo
Today · 4.125%
HK$47,927
baseline
▲ 0.50% · 4.625%
HK$50,843
+HK$2,916/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,854/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,172
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,518
−HK$1,365/mo
Today · 4.125%
HK$52,883
baseline
▲ 0.50% · 4.625%
HK$55,670
+HK$2,787/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,766/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,043 · Scale 2, in force from 26 Feb 2026)