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$24,991
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,769
−HK$790/mo
Today · 4.125%
HK$26,559
baseline
▲ 0.50% · 4.625%
HK$28,175
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,118/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,803
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,548
−HK$757/mo
Today · 4.125%
HK$29,305
baseline
▲ 0.50% · 4.625%
HK$30,850
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,610/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,990
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,923
−HK$947/mo
Today · 4.125%
HK$31,870
baseline
▲ 0.50% · 4.625%
HK$33,810
+HK$1,940/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$63,740/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,363
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,258
−HK$908/mo
Today · 4.125%
HK$35,166
baseline
▲ 0.50% · 4.625%
HK$37,019
+HK$1,853/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$70,332/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,988
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,076
−HK$1,106/mo
Today · 4.125%
HK$37,182
baseline
▲ 0.50% · 4.625%
HK$39,444
+HK$2,262/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,364/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,924
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,968
−HK$1,059/mo
Today · 4.125%
HK$41,027
baseline
▲ 0.50% · 4.625%
HK$43,189
+HK$2,162/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,054/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,985
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,384
−HK$1,421/mo
Today · 4.125%
HK$47,805
baseline
▲ 0.50% · 4.625%
HK$50,714
+HK$2,909/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,610/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,045
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,387
−HK$1,362/mo
Today · 4.125%
HK$52,749
baseline
▲ 0.50% · 4.625%
HK$55,529
+HK$2,780/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,498/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,997 · Scale 2, in force from 26 Feb 2026)