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$25,033
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,812
−HK$791/mo
Today · 4.125%
HK$26,603
baseline
▲ 0.50% · 4.625%
HK$28,222
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,206/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,849
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,596
−HK$758/mo
Today · 4.125%
HK$29,354
baseline
▲ 0.50% · 4.625%
HK$30,901
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,708/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,040
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,974
−HK$950/mo
Today · 4.125%
HK$31,924
baseline
▲ 0.50% · 4.625%
HK$33,866
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,848/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,419
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,315
−HK$910/mo
Today · 4.125%
HK$35,225
baseline
▲ 0.50% · 4.625%
HK$37,081
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,450/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,047
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,137
−HK$1,107/mo
Today · 4.125%
HK$37,244
baseline
▲ 0.50% · 4.625%
HK$39,511
+HK$2,267/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,488/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,989
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,035
−HK$1,060/mo
Today · 4.125%
HK$41,095
baseline
▲ 0.50% · 4.625%
HK$43,262
+HK$2,167/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,190/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,060
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,462
−HK$1,424/mo
Today · 4.125%
HK$47,886
baseline
▲ 0.50% · 4.625%
HK$50,799
+HK$2,913/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,772/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,129
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,473
−HK$1,364/mo
Today · 4.125%
HK$52,837
baseline
▲ 0.50% · 4.625%
HK$55,622
+HK$2,785/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,674/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,686 · Scale 2, in force from 26 Feb 2026)