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$24,994
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,771
−HK$790/mo
Today · 4.125%
HK$26,561
baseline
▲ 0.50% · 4.625%
HK$28,177
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,122/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,806
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,551
−HK$757/mo
Today · 4.125%
HK$29,308
baseline
▲ 0.50% · 4.625%
HK$30,853
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,616/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,993
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,926
−HK$948/mo
Today · 4.125%
HK$31,874
baseline
▲ 0.50% · 4.625%
HK$33,813
+HK$1,939/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$63,748/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,367
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,261
−HK$908/mo
Today · 4.125%
HK$35,169
baseline
▲ 0.50% · 4.625%
HK$37,023
+HK$1,854/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$70,338/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,992
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,080
−HK$1,106/mo
Today · 4.125%
HK$37,186
baseline
▲ 0.50% · 4.625%
HK$39,448
+HK$2,262/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,372/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,928
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,972
−HK$1,059/mo
Today · 4.125%
HK$41,031
baseline
▲ 0.50% · 4.625%
HK$43,194
+HK$2,163/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,062/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,989
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,389
−HK$1,421/mo
Today · 4.125%
HK$47,810
baseline
▲ 0.50% · 4.625%
HK$50,719
+HK$2,909/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,620/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,050
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,392
−HK$1,362/mo
Today · 4.125%
HK$52,754
baseline
▲ 0.50% · 4.625%
HK$55,535
+HK$2,781/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,508/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,039 · Scale 2, in force from 26 Feb 2026)