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$25,032
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,811
−HK$791/mo
Today · 4.125%
HK$26,602
baseline
▲ 0.50% · 4.625%
HK$28,220
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,204/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,848
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,595
−HK$757/mo
Today · 4.125%
HK$29,352
baseline
▲ 0.50% · 4.625%
HK$30,900
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,704/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,038
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,973
−HK$949/mo
Today · 4.125%
HK$31,922
baseline
▲ 0.50% · 4.625%
HK$33,864
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,844/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,417
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,314
−HK$909/mo
Today · 4.125%
HK$35,223
baseline
▲ 0.50% · 4.625%
HK$37,079
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,446/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,045
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,135
−HK$1,107/mo
Today · 4.125%
HK$37,242
baseline
▲ 0.50% · 4.625%
HK$39,508
+HK$2,266/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,484/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,987
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,033
−HK$1,060/mo
Today · 4.125%
HK$41,093
baseline
▲ 0.50% · 4.625%
HK$43,259
+HK$2,166/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,186/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,058
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,459
−HK$1,424/mo
Today · 4.125%
HK$47,883
baseline
▲ 0.50% · 4.625%
HK$50,797
+HK$2,914/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,766/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,126
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,470
−HK$1,364/mo
Today · 4.125%
HK$52,834
baseline
▲ 0.50% · 4.625%
HK$55,619
+HK$2,785/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,668/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,664 · Scale 2, in force from 26 Feb 2026)