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$25,059
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,838
−HK$792/mo
Today · 4.125%
HK$26,630
baseline
▲ 0.50% · 4.625%
HK$28,251
+HK$1,621/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,260/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,878
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,625
−HK$759/mo
Today · 4.125%
HK$29,384
baseline
▲ 0.50% · 4.625%
HK$30,933
+HK$1,549/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,768/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,071
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,006
−HK$950/mo
Today · 4.125%
HK$31,956
baseline
▲ 0.50% · 4.625%
HK$33,901
+HK$1,945/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$63,912/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,453
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,351
−HK$910/mo
Today · 4.125%
HK$35,261
baseline
▲ 0.50% · 4.625%
HK$37,119
+HK$1,858/mo
Deposit HK$4.40M · loan HK$6.59M · min. income ≈ HK$70,522/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,083
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,174
−HK$1,108/mo
Today · 4.125%
HK$37,282
baseline
▲ 0.50% · 4.625%
HK$39,551
+HK$2,269/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,564/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,029
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,076
−HK$1,062/mo
Today · 4.125%
HK$41,138
baseline
▲ 0.50% · 4.625%
HK$43,306
+HK$2,168/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,276/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,106
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,509
−HK$1,426/mo
Today · 4.125%
HK$47,935
baseline
▲ 0.50% · 4.625%
HK$50,851
+HK$2,916/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,870/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,180
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,526
−HK$1,365/mo
Today · 4.125%
HK$52,891
baseline
▲ 0.50% · 4.625%
HK$55,679
+HK$2,788/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,782/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,108 · Scale 2, in force from 26 Feb 2026)