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$24,997
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,774
−HK$790/mo
Today · 4.125%
HK$26,564
baseline
▲ 0.50% · 4.625%
HK$28,181
+HK$1,617/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,128/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,809
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,554
−HK$757/mo
Today · 4.125%
HK$29,311
baseline
▲ 0.50% · 4.625%
HK$30,856
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,622/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,996
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,929
−HK$948/mo
Today · 4.125%
HK$31,877
baseline
▲ 0.50% · 4.625%
HK$33,817
+HK$1,940/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$63,754/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,370
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,265
−HK$908/mo
Today · 4.125%
HK$35,173
baseline
▲ 0.50% · 4.625%
HK$37,027
+HK$1,854/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$70,346/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,995
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,084
−HK$1,106/mo
Today · 4.125%
HK$37,190
baseline
▲ 0.50% · 4.625%
HK$39,453
+HK$2,263/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,380/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,932
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,976
−HK$1,060/mo
Today · 4.125%
HK$41,036
baseline
▲ 0.50% · 4.625%
HK$43,199
+HK$2,163/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,072/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,994
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,394
−HK$1,422/mo
Today · 4.125%
HK$47,816
baseline
▲ 0.50% · 4.625%
HK$50,725
+HK$2,909/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,632/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,056
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,398
−HK$1,362/mo
Today · 4.125%
HK$52,760
baseline
▲ 0.50% · 4.625%
HK$55,541
+HK$2,781/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,520/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,086 · Scale 2, in force from 26 Feb 2026)