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$24,984
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,761
−HK$790/mo
Today · 4.125%
HK$26,551
baseline
▲ 0.50% · 4.625%
HK$28,166
+HK$1,615/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,102/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,795
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,540
−HK$756/mo
Today · 4.125%
HK$29,296
baseline
▲ 0.50% · 4.625%
HK$30,840
+HK$1,544/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,592/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,981
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,914
−HK$947/mo
Today · 4.125%
HK$31,861
baseline
▲ 0.50% · 4.625%
HK$33,800
+HK$1,939/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,722/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,354
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,248
−HK$908/mo
Today · 4.125%
HK$35,156
baseline
▲ 0.50% · 4.625%
HK$37,009
+HK$1,853/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,312/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,978
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,066
−HK$1,105/mo
Today · 4.125%
HK$37,171
baseline
▲ 0.50% · 4.625%
HK$39,433
+HK$2,262/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,342/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,912
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,956
−HK$1,059/mo
Today · 4.125%
HK$41,015
baseline
▲ 0.50% · 4.625%
HK$43,177
+HK$2,162/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,030/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,971
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,370
−HK$1,422/mo
Today · 4.125%
HK$47,792
baseline
▲ 0.50% · 4.625%
HK$50,700
+HK$2,908/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,584/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,030
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,372
−HK$1,361/mo
Today · 4.125%
HK$52,733
baseline
▲ 0.50% · 4.625%
HK$55,513
+HK$2,780/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,466/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,877 · Scale 2, in force from 26 Feb 2026)