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$24,981
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,758
−HK$790/mo
Today · 4.125%
HK$26,548
baseline
▲ 0.50% · 4.625%
HK$28,163
+HK$1,615/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$410,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,791
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,537
−HK$756/mo
Today · 4.125%
HK$29,293
baseline
▲ 0.50% · 4.625%
HK$30,837
+HK$1,544/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$410,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,977
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,910
−HK$947/mo
Today · 4.125%
HK$31,857
baseline
▲ 0.50% · 4.625%
HK$33,796
+HK$1,939/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,714/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,349
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,244
−HK$907/mo
Today · 4.125%
HK$35,151
baseline
▲ 0.50% · 4.625%
HK$37,004
+HK$1,853/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,302/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,974
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,061
−HK$1,106/mo
Today · 4.125%
HK$37,167
baseline
▲ 0.50% · 4.625%
HK$39,428
+HK$2,261/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,334/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,908
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,951
−HK$1,059/mo
Today · 4.125%
HK$41,010
baseline
▲ 0.50% · 4.625%
HK$43,171
+HK$2,161/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,020/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,966
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,365
−HK$1,421/mo
Today · 4.125%
HK$47,786
baseline
▲ 0.50% · 4.625%
HK$50,693
+HK$2,907/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,572/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,024
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,366
−HK$1,361/mo
Today · 4.125%
HK$52,727
baseline
▲ 0.50% · 4.625%
HK$55,506
+HK$2,779/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,454/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,828 · Scale 2, in force from 26 Feb 2026)