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$1,566/mo
▼ 0.25% · 3.875%
HK$25,759
−HK$789/mo
Today · 4.125%
HK$26,548
baseline
▲ 0.50% · 4.625%
HK$28,164
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,096/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,792
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,537
−HK$756/mo
Today · 4.125%
HK$29,293
baseline
▲ 0.50% · 4.625%
HK$30,838
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,586/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,978
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,911
−HK$947/mo
Today · 4.125%
HK$31,858
baseline
▲ 0.50% · 4.625%
HK$33,796
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,716/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,350
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,245
−HK$907/mo
Today · 4.125%
HK$35,152
baseline
▲ 0.50% · 4.625%
HK$37,005
+HK$1,853/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,304/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,974
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,062
−HK$1,106/mo
Today · 4.125%
HK$37,168
baseline
▲ 0.50% · 4.625%
HK$39,429
+HK$2,261/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$410,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,909
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,952
−HK$1,059/mo
Today · 4.125%
HK$41,011
baseline
▲ 0.50% · 4.625%
HK$43,173
+HK$2,162/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,022/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,967
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,366
−HK$1,421/mo
Today · 4.125%
HK$47,787
baseline
▲ 0.50% · 4.625%
HK$50,695
+HK$2,908/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,574/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,025
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,367
−HK$1,361/mo
Today · 4.125%
HK$52,728
baseline
▲ 0.50% · 4.625%
HK$55,508
+HK$2,780/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,456/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,838 · Scale 2, in force from 26 Feb 2026)