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$25,050
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,829
−HK$792/mo
Today · 4.125%
HK$26,621
baseline
▲ 0.50% · 4.625%
HK$28,241
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,242/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,868
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,615
−HK$758/mo
Today · 4.125%
HK$29,373
baseline
▲ 0.50% · 4.625%
HK$30,922
+HK$1,549/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,746/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,060
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,995
−HK$950/mo
Today · 4.125%
HK$31,945
baseline
▲ 0.50% · 4.625%
HK$33,889
+HK$1,944/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,890/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,441
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,338
−HK$910/mo
Today · 4.125%
HK$35,248
baseline
▲ 0.50% · 4.625%
HK$37,106
+HK$1,858/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,496/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$411,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,070
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,161
−HK$1,108/mo
Today · 4.125%
HK$37,269
baseline
▲ 0.50% · 4.625%
HK$39,537
+HK$2,268/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$74,538/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,015
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,061
−HK$1,062/mo
Today · 4.125%
HK$41,123
baseline
▲ 0.50% · 4.625%
HK$43,290
+HK$2,167/mo
Deposit HK$3.30M · loan HK$7.69M · min. income ≈ HK$82,246/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,090
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,492
−HK$1,425/mo
Today · 4.125%
HK$47,917
baseline
▲ 0.50% · 4.625%
HK$50,833
+HK$2,916/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$95,834/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,162
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,507
−HK$1,365/mo
Today · 4.125%
HK$52,872
baseline
▲ 0.50% · 4.625%
HK$55,659
+HK$2,787/mo
Deposit HK$1.10M · loan HK$9.89M · min. income ≈ HK$105,744/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,959 · Scale 2, in force from 26 Feb 2026)