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$24,998
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,775
−HK$790/mo
Today · 4.125%
HK$26,565
baseline
▲ 0.50% · 4.625%
HK$28,182
+HK$1,617/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,130/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,810
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,556
−HK$756/mo
Today · 4.125%
HK$29,312
baseline
▲ 0.50% · 4.625%
HK$30,857
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,624/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,997
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,930
−HK$948/mo
Today · 4.125%
HK$31,878
baseline
▲ 0.50% · 4.625%
HK$33,818
+HK$1,940/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,756/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,372
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,267
−HK$908/mo
Today · 4.125%
HK$35,175
baseline
▲ 0.50% · 4.625%
HK$37,029
+HK$1,854/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,350/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,997
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,085
−HK$1,106/mo
Today · 4.125%
HK$37,191
baseline
▲ 0.50% · 4.625%
HK$39,454
+HK$2,263/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,382/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,934
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,978
−HK$1,059/mo
Today · 4.125%
HK$41,037
baseline
▲ 0.50% · 4.625%
HK$43,200
+HK$2,163/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,074/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,996
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,395
−HK$1,422/mo
Today · 4.125%
HK$47,817
baseline
▲ 0.50% · 4.625%
HK$50,727
+HK$2,910/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,634/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,057
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,400
−HK$1,362/mo
Today · 4.125%
HK$52,762
baseline
▲ 0.50% · 4.625%
HK$55,543
+HK$2,781/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,524/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,100 · Scale 2, in force from 26 Feb 2026)