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$24,982
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,759
−HK$790/mo
Today · 4.125%
HK$26,549
baseline
▲ 0.50% · 4.625%
HK$28,164
+HK$1,615/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,098/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,793
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,538
−HK$756/mo
Today · 4.125%
HK$29,294
baseline
▲ 0.50% · 4.625%
HK$30,838
+HK$1,544/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,588/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,979
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,911
−HK$948/mo
Today · 4.125%
HK$31,859
baseline
▲ 0.50% · 4.625%
HK$33,797
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,718/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,351
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,245
−HK$908/mo
Today · 4.125%
HK$35,153
baseline
▲ 0.50% · 4.625%
HK$37,006
+HK$1,853/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,306/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,975
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,063
−HK$1,105/mo
Today · 4.125%
HK$37,168
baseline
▲ 0.50% · 4.625%
HK$39,430
+HK$2,262/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,336/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,910
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,953
−HK$1,059/mo
Today · 4.125%
HK$41,012
baseline
▲ 0.50% · 4.625%
HK$43,173
+HK$2,161/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,024/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,968
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,367
−HK$1,421/mo
Today · 4.125%
HK$47,788
baseline
▲ 0.50% · 4.625%
HK$50,696
+HK$2,908/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,576/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,027
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,368
−HK$1,361/mo
Today · 4.125%
HK$52,729
baseline
▲ 0.50% · 4.625%
HK$55,509
+HK$2,780/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,458/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,847 · Scale 2, in force from 26 Feb 2026)