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$1,567/mo
▼ 0.25% · 3.875%
HK$25,770
−HK$790/mo
Today · 4.125%
HK$26,560
baseline
▲ 0.50% · 4.625%
HK$28,176
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,120/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,804
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,550
−HK$756/mo
Today · 4.125%
HK$29,306
baseline
▲ 0.50% · 4.625%
HK$30,851
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,612/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,991
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,924
−HK$948/mo
Today · 4.125%
HK$31,872
baseline
▲ 0.50% · 4.625%
HK$33,811
+HK$1,939/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$63,744/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,365
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,260
−HK$908/mo
Today · 4.125%
HK$35,168
baseline
▲ 0.50% · 4.625%
HK$37,021
+HK$1,853/mo
Deposit HK$4.38M · loan HK$6.58M · min. income ≈ HK$70,336/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,990
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,078
−HK$1,106/mo
Today · 4.125%
HK$37,184
baseline
▲ 0.50% · 4.625%
HK$39,446
+HK$2,262/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,368/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,926
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,970
−HK$1,059/mo
Today · 4.125%
HK$41,029
baseline
▲ 0.50% · 4.625%
HK$43,191
+HK$2,162/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,058/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,987
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,386
−HK$1,422/mo
Today · 4.125%
HK$47,808
baseline
▲ 0.50% · 4.625%
HK$50,717
+HK$2,909/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$95,616/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,047
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,390
−HK$1,361/mo
Today · 4.125%
HK$52,751
baseline
▲ 0.50% · 4.625%
HK$55,532
+HK$2,781/mo
Deposit HK$1.10M · loan HK$9.86M · min. income ≈ HK$105,502/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,018 · Scale 2, in force from 26 Feb 2026)