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$24,985
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,763
−HK$789/mo
Today · 4.125%
HK$26,552
baseline
▲ 0.50% · 4.625%
HK$28,168
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,104/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,796
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,541
−HK$757/mo
Today · 4.125%
HK$29,298
baseline
▲ 0.50% · 4.625%
HK$30,842
+HK$1,544/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,596/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,982
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,915
−HK$948/mo
Today · 4.125%
HK$31,863
baseline
▲ 0.50% · 4.625%
HK$33,801
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,726/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,355
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,250
−HK$907/mo
Today · 4.125%
HK$35,157
baseline
▲ 0.50% · 4.625%
HK$37,010
+HK$1,853/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,314/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,980
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,068
−HK$1,105/mo
Today · 4.125%
HK$37,173
baseline
▲ 0.50% · 4.625%
HK$39,435
+HK$2,262/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,346/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,914
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,958
−HK$1,059/mo
Today · 4.125%
HK$41,017
baseline
▲ 0.50% · 4.625%
HK$43,179
+HK$2,162/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,034/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,974
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,373
−HK$1,421/mo
Today · 4.125%
HK$47,794
baseline
▲ 0.50% · 4.625%
HK$50,702
+HK$2,908/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,588/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,033
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,375
−HK$1,361/mo
Today · 4.125%
HK$52,736
baseline
▲ 0.50% · 4.625%
HK$55,516
+HK$2,780/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,472/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,898 · Scale 2, in force from 26 Feb 2026)