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$24,999
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,776
−HK$790/mo
Today · 4.125%
HK$26,566
baseline
▲ 0.50% · 4.625%
HK$28,183
+HK$1,617/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,132/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,811
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,557
−HK$756/mo
Today · 4.125%
HK$29,313
baseline
▲ 0.50% · 4.625%
HK$30,859
+HK$1,546/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,626/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,998
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,932
−HK$948/mo
Today · 4.125%
HK$31,880
baseline
▲ 0.50% · 4.625%
HK$33,819
+HK$1,939/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,760/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,373
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,268
−HK$908/mo
Today · 4.125%
HK$35,176
baseline
▲ 0.50% · 4.625%
HK$37,030
+HK$1,854/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,352/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,998
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,087
−HK$1,106/mo
Today · 4.125%
HK$37,193
baseline
▲ 0.50% · 4.625%
HK$39,456
+HK$2,263/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,386/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,935
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,979
−HK$1,060/mo
Today · 4.125%
HK$41,039
baseline
▲ 0.50% · 4.625%
HK$43,202
+HK$2,163/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,078/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,998
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,397
−HK$1,422/mo
Today · 4.125%
HK$47,819
baseline
▲ 0.50% · 4.625%
HK$50,729
+HK$2,910/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,638/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,059
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,402
−HK$1,362/mo
Today · 4.125%
HK$52,764
baseline
▲ 0.50% · 4.625%
HK$55,545
+HK$2,781/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,528/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,117 · Scale 2, in force from 26 Feb 2026)