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$24,993
−HK$1,568/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$411,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,805
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,551
−HK$756/mo
Today · 4.125%
HK$29,307
baseline
▲ 0.50% · 4.625%
HK$30,852
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,614/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,992
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,925
−HK$948/mo
Today · 4.125%
HK$31,873
baseline
▲ 0.50% · 4.625%
HK$33,812
+HK$1,939/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$63,746/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,366
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,261
−HK$908/mo
Today · 4.125%
HK$35,169
baseline
▲ 0.50% · 4.625%
HK$37,022
+HK$1,853/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$411,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,991
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,079
−HK$1,106/mo
Today · 4.125%
HK$37,185
baseline
▲ 0.50% · 4.625%
HK$39,448
+HK$2,263/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,370/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,927
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,971
−HK$1,059/mo
Today · 4.125%
HK$41,030
baseline
▲ 0.50% · 4.625%
HK$43,193
+HK$2,163/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,060/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,988
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,387
−HK$1,422/mo
Today · 4.125%
HK$47,809
baseline
▲ 0.50% · 4.625%
HK$50,718
+HK$2,909/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,618/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,049
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,391
−HK$1,362/mo
Today · 4.125%
HK$52,753
baseline
▲ 0.50% · 4.625%
HK$55,533
+HK$2,780/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,506/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,030 · Scale 2, in force from 26 Feb 2026)