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$25,023
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,801
−HK$791/mo
Today · 4.125%
HK$26,592
baseline
▲ 0.50% · 4.625%
HK$28,210
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,184/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,838
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,584
−HK$758/mo
Today · 4.125%
HK$29,342
baseline
▲ 0.50% · 4.625%
HK$30,888
+HK$1,546/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,684/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,028
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,962
−HK$949/mo
Today · 4.125%
HK$31,911
baseline
▲ 0.50% · 4.625%
HK$33,852
+HK$1,941/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,822/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,405
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,301
−HK$909/mo
Today · 4.125%
HK$35,210
baseline
▲ 0.50% · 4.625%
HK$37,066
+HK$1,856/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,420/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,032
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,122
−HK$1,107/mo
Today · 4.125%
HK$37,229
baseline
▲ 0.50% · 4.625%
HK$39,494
+HK$2,265/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,458/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,973
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,018
−HK$1,061/mo
Today · 4.125%
HK$41,079
baseline
▲ 0.50% · 4.625%
HK$43,244
+HK$2,165/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,158/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,041
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,442
−HK$1,424/mo
Today · 4.125%
HK$47,866
baseline
▲ 0.50% · 4.625%
HK$50,778
+HK$2,912/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,732/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,108
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,452
−HK$1,363/mo
Today · 4.125%
HK$52,815
baseline
▲ 0.50% · 4.625%
HK$55,599
+HK$2,784/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,630/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,517 · Scale 2, in force from 26 Feb 2026)