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$25,037
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,816
−HK$791/mo
Today · 4.125%
HK$26,607
baseline
▲ 0.50% · 4.625%
HK$28,226
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,214/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,854
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,601
−HK$758/mo
Today · 4.125%
HK$29,359
baseline
▲ 0.50% · 4.625%
HK$30,906
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,718/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,045
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,979
−HK$950/mo
Today · 4.125%
HK$31,929
baseline
▲ 0.50% · 4.625%
HK$33,872
+HK$1,943/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,858/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,424
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,321
−HK$909/mo
Today · 4.125%
HK$35,230
baseline
▲ 0.50% · 4.625%
HK$37,087
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,460/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,052
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,142
−HK$1,108/mo
Today · 4.125%
HK$37,250
baseline
▲ 0.50% · 4.625%
HK$39,517
+HK$2,267/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,500/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,995
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,041
−HK$1,061/mo
Today · 4.125%
HK$41,102
baseline
▲ 0.50% · 4.625%
HK$43,269
+HK$2,167/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,204/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,067
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,469
−HK$1,424/mo
Today · 4.125%
HK$47,893
baseline
▲ 0.50% · 4.625%
HK$50,807
+HK$2,914/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,786/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,137
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,481
−HK$1,364/mo
Today · 4.125%
HK$52,845
baseline
▲ 0.50% · 4.625%
HK$55,631
+HK$2,786/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,690/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,751 · Scale 2, in force from 26 Feb 2026)