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$25,765
−HK$790/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$410,942 · 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$30,845
+HK$1,544/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$410,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,986
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,918
−HK$948/mo
Today · 4.125%
HK$31,866
baseline
▲ 0.50% · 4.625%
HK$33,805
+HK$1,939/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$63,732/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,359
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,253
−HK$908/mo
Today · 4.125%
HK$35,161
baseline
▲ 0.50% · 4.625%
HK$37,014
+HK$1,853/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$70,322/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,983
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,071
−HK$1,106/mo
Today · 4.125%
HK$37,177
baseline
▲ 0.50% · 4.625%
HK$39,439
+HK$2,262/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,354/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,919
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,962
−HK$1,059/mo
Today · 4.125%
HK$41,021
baseline
▲ 0.50% · 4.625%
HK$43,183
+HK$2,162/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,042/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,979
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,378
−HK$1,421/mo
Today · 4.125%
HK$47,799
baseline
▲ 0.50% · 4.625%
HK$50,708
+HK$2,909/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,598/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,038
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,380
−HK$1,362/mo
Today · 4.125%
HK$52,742
baseline
▲ 0.50% · 4.625%
HK$55,522
+HK$2,780/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$410,942 · Scale 2, in force from 26 Feb 2026)