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$24,983
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,760
−HK$790/mo
Today · 4.125%
HK$26,550
baseline
▲ 0.50% · 4.625%
HK$28,165
+HK$1,615/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,100/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,793
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,539
−HK$756/mo
Today · 4.125%
HK$29,295
baseline
▲ 0.50% · 4.625%
HK$30,839
+HK$1,544/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,590/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,980
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,912
−HK$948/mo
Today · 4.125%
HK$31,860
baseline
▲ 0.50% · 4.625%
HK$33,798
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,720/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,352
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,247
−HK$907/mo
Today · 4.125%
HK$35,154
baseline
▲ 0.50% · 4.625%
HK$37,007
+HK$1,853/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,308/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,976
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,064
−HK$1,106/mo
Today · 4.125%
HK$37,170
baseline
▲ 0.50% · 4.625%
HK$39,431
+HK$2,261/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,340/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,911
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,954
−HK$1,059/mo
Today · 4.125%
HK$41,013
baseline
▲ 0.50% · 4.625%
HK$43,175
+HK$2,162/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,026/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,970
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,368
−HK$1,422/mo
Today · 4.125%
HK$47,790
baseline
▲ 0.50% · 4.625%
HK$50,698
+HK$2,908/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,580/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,028
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,370
−HK$1,361/mo
Today · 4.125%
HK$52,731
baseline
▲ 0.50% · 4.625%
HK$55,511
+HK$2,780/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,462/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,861 · Scale 2, in force from 26 Feb 2026)