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$24,991
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,768
−HK$790/mo
Today · 4.125%
HK$26,558
baseline
▲ 0.50% · 4.625%
HK$28,174
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,116/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,802
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,547
−HK$757/mo
Today · 4.125%
HK$29,304
baseline
▲ 0.50% · 4.625%
HK$30,849
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,608/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,989
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,922
−HK$947/mo
Today · 4.125%
HK$31,869
baseline
▲ 0.50% · 4.625%
HK$33,808
+HK$1,939/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$63,738/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,362
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,257
−HK$908/mo
Today · 4.125%
HK$35,165
baseline
▲ 0.50% · 4.625%
HK$37,018
+HK$1,853/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$70,330/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,987
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,075
−HK$1,106/mo
Today · 4.125%
HK$37,181
baseline
▲ 0.50% · 4.625%
HK$39,443
+HK$2,262/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,362/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,923
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,966
−HK$1,059/mo
Today · 4.125%
HK$41,025
baseline
▲ 0.50% · 4.625%
HK$43,188
+HK$2,163/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,050/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,983
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,382
−HK$1,422/mo
Today · 4.125%
HK$47,804
baseline
▲ 0.50% · 4.625%
HK$50,713
+HK$2,909/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,608/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,043
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,385
−HK$1,362/mo
Today · 4.125%
HK$52,747
baseline
▲ 0.50% · 4.625%
HK$55,527
+HK$2,780/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,494/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,984 · Scale 2, in force from 26 Feb 2026)