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$24,986
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,764
−HK$789/mo
Today · 4.125%
HK$26,553
baseline
▲ 0.50% · 4.625%
HK$28,169
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,106/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,797
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,543
−HK$756/mo
Today · 4.125%
HK$29,299
baseline
▲ 0.50% · 4.625%
HK$30,843
+HK$1,544/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,598/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,984
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,916
−HK$948/mo
Today · 4.125%
HK$31,864
baseline
▲ 0.50% · 4.625%
HK$33,803
+HK$1,939/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,728/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,357
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,251
−HK$908/mo
Today · 4.125%
HK$35,159
baseline
▲ 0.50% · 4.625%
HK$37,012
+HK$1,853/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,318/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,981
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,069
−HK$1,106/mo
Today · 4.125%
HK$37,175
baseline
▲ 0.50% · 4.625%
HK$39,437
+HK$2,262/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,350/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,916
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,960
−HK$1,059/mo
Today · 4.125%
HK$41,019
baseline
▲ 0.50% · 4.625%
HK$43,181
+HK$2,162/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,038/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,976
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,375
−HK$1,421/mo
Today · 4.125%
HK$47,796
baseline
▲ 0.50% · 4.625%
HK$50,704
+HK$2,908/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,592/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,035
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,377
−HK$1,361/mo
Today · 4.125%
HK$52,738
baseline
▲ 0.50% · 4.625%
HK$55,518
+HK$2,780/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,476/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,915 · Scale 2, in force from 26 Feb 2026)