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$24,988
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,766
−HK$789/mo
Today · 4.125%
HK$26,555
baseline
▲ 0.50% · 4.625%
HK$28,171
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,110/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,799
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,545
−HK$756/mo
Today · 4.125%
HK$29,301
baseline
▲ 0.50% · 4.625%
HK$30,846
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,602/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,986
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,919
−HK$948/mo
Today · 4.125%
HK$31,867
baseline
▲ 0.50% · 4.625%
HK$33,806
+HK$1,939/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$63,734/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,359
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,254
−HK$908/mo
Today · 4.125%
HK$35,162
baseline
▲ 0.50% · 4.625%
HK$37,015
+HK$1,853/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$70,324/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,984
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,072
−HK$1,106/mo
Today · 4.125%
HK$37,178
baseline
▲ 0.50% · 4.625%
HK$39,440
+HK$2,262/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,356/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,919
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,963
−HK$1,059/mo
Today · 4.125%
HK$41,022
baseline
▲ 0.50% · 4.625%
HK$43,184
+HK$2,162/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,044/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,979
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,378
−HK$1,422/mo
Today · 4.125%
HK$47,800
baseline
▲ 0.50% · 4.625%
HK$50,708
+HK$2,908/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,600/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,039
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,381
−HK$1,361/mo
Today · 4.125%
HK$52,742
baseline
▲ 0.50% · 4.625%
HK$55,523
+HK$2,781/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,484/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,949 · Scale 2, in force from 26 Feb 2026)