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$25,024
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,803
−HK$790/mo
Today · 4.125%
HK$26,593
baseline
▲ 0.50% · 4.625%
HK$28,212
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,186/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,839
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,586
−HK$757/mo
Today · 4.125%
HK$29,343
baseline
▲ 0.50% · 4.625%
HK$30,890
+HK$1,547/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,686/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,029
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,963
−HK$949/mo
Today · 4.125%
HK$31,912
baseline
▲ 0.50% · 4.625%
HK$33,854
+HK$1,942/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,824/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,407
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,303
−HK$909/mo
Today · 4.125%
HK$35,212
baseline
▲ 0.50% · 4.625%
HK$37,068
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,424/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,034
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,124
−HK$1,107/mo
Today · 4.125%
HK$37,231
baseline
▲ 0.50% · 4.625%
HK$39,496
+HK$2,265/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,462/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,975
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,020
−HK$1,060/mo
Today · 4.125%
HK$41,080
baseline
▲ 0.50% · 4.625%
HK$43,246
+HK$2,166/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,160/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,043
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,445
−HK$1,423/mo
Today · 4.125%
HK$47,868
baseline
▲ 0.50% · 4.625%
HK$50,781
+HK$2,913/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,736/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,110
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,454
−HK$1,364/mo
Today · 4.125%
HK$52,818
baseline
▲ 0.50% · 4.625%
HK$55,602
+HK$2,784/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,636/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,536 · Scale 2, in force from 26 Feb 2026)