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$24,990
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,767
−HK$790/mo
Today · 4.125%
HK$26,557
baseline
▲ 0.50% · 4.625%
HK$28,173
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,114/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,801
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,546
−HK$757/mo
Today · 4.125%
HK$29,303
baseline
▲ 0.50% · 4.625%
HK$30,847
+HK$1,544/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,606/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,988
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,920
−HK$948/mo
Today · 4.125%
HK$31,868
baseline
▲ 0.50% · 4.625%
HK$33,807
+HK$1,939/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$63,736/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,361
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,256
−HK$907/mo
Today · 4.125%
HK$35,163
baseline
▲ 0.50% · 4.625%
HK$37,017
+HK$1,854/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$70,326/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,986
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,074
−HK$1,105/mo
Today · 4.125%
HK$37,179
baseline
▲ 0.50% · 4.625%
HK$39,442
+HK$2,263/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,358/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,921
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,965
−HK$1,059/mo
Today · 4.125%
HK$41,024
baseline
▲ 0.50% · 4.625%
HK$43,186
+HK$2,162/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,048/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,981
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,381
−HK$1,421/mo
Today · 4.125%
HK$47,802
baseline
▲ 0.50% · 4.625%
HK$50,711
+HK$2,909/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,604/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,041
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,384
−HK$1,361/mo
Today · 4.125%
HK$52,745
baseline
▲ 0.50% · 4.625%
HK$55,525
+HK$2,780/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,490/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,969 · Scale 2, in force from 26 Feb 2026)