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$24,986
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,763
−HK$790/mo
Today · 4.125%
HK$26,553
baseline
▲ 0.50% · 4.625%
HK$28,169
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,106/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,797
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,542
−HK$757/mo
Today · 4.125%
HK$29,299
baseline
▲ 0.50% · 4.625%
HK$30,843
+HK$1,544/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,598/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,983
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,916
−HK$948/mo
Today · 4.125%
HK$31,864
baseline
▲ 0.50% · 4.625%
HK$33,802
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,728/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,356
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,251
−HK$907/mo
Today · 4.125%
HK$35,158
baseline
▲ 0.50% · 4.625%
HK$37,012
+HK$1,854/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,316/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,981
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,069
−HK$1,105/mo
Today · 4.125%
HK$37,174
baseline
▲ 0.50% · 4.625%
HK$39,436
+HK$2,262/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,348/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,916
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,959
−HK$1,059/mo
Today · 4.125%
HK$41,018
baseline
▲ 0.50% · 4.625%
HK$43,180
+HK$2,162/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,036/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,975
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,374
−HK$1,421/mo
Today · 4.125%
HK$47,795
baseline
▲ 0.50% · 4.625%
HK$50,704
+HK$2,909/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,590/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,034
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,376
−HK$1,362/mo
Today · 4.125%
HK$52,738
baseline
▲ 0.50% · 4.625%
HK$55,517
+HK$2,779/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,476/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,911 · Scale 2, in force from 26 Feb 2026)